Cargo Freight Insurance

Cargo freight insurance protection pays for physical loss or damage to freight you’re hauling, from pickup through delivery, regardless of fault. Motor truck cargo is the primary policy;

Contingent Cargo Insurance sits behind it and pays when the primary doesn’t respond. Brokers and shippers increasingly require proof of your specific limit before booking.

Coverage responds to freight damaged between loading and delivery, including docks, ports, exam sites, and warehouse handoffs, and roughly half of freight claims get denied before carrier liability limits even apply.

Proving a covered loss still falls on you: showing it happened in the carrier’s care, custody, and control, and that negligence caused it.

Cargo Freight Insurance Alvix Provides

• Motor truck cargo coverage on freight in your possession, pickup to delivery, physical damage regardless of fault
• Standard limit of $100,000, sized to match what you actually haul
• Per-load riders that raise a single shipment’s limit to $250,000-plus for $100 to $300, without rewriting your annual policy
• General Average and ocean or intermodal cargo protection for container freight
• 24/7 certificate of insurance access and a dedicated account manager on every account

What Cargo Freight Insurance Does Not Cover

• The truck itself, under Physical Damage Protection Coverage
• Bodily injury or property damage to others, under Primary Truck Liability Insurance
• Damage to a non-owned trailer under interchange, under Trailer Interchange Insurance Protection
• Non-vehicle risks like slip-and-fall or premises claims, under General Liability Insurance Coverage

Who Needs Cargo Freight Insurance

Any carrier physically hauling freight needs this coverage, since carrier liability was never built to make a shipper whole on a lost load. It matters most for high-value or commodity-sensitive freight, and for anyone a broker asks to prove a specific limit before booking.

• Owner-operators
• Small fleets running mixed commodity types
• First-time authorities setting up coverage

Vehicle and Cargo Types Alvix Covers Under Cargo Freight Insurance

Flatbed | Auto Hauler | Heavy Haul | Logging Truck | Cement Truck | Tank Truck | Dump Truck | Box Truck | Hot Shot | Refrigerated

Ranges below reflect real trucking insurance costs by vehicle type, across every licensed state; cargo coverage itself prices separately, by declared value and commodity risk, not truck size.

See the states list below for where these ranges apply.

States Where Alvix Writes Cargo Freight Insurance

Florida | Texas | Louisiana | Arkansas | Alabama | Georgia | South Carolina | North Carolina | Tennessee | Kentucky | Indiana | Ohio | West Virginia | Pennsylvania | New Jersey | Mississippi | Kansas | Missouri | Illinois | Nevada | Oklahoma | Colorado | New Mexico

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