Coverages / Motor truck cargo
Cargo · 8 of 37 trades
Motor truck cargo
The freight in your care, custody and control. Not an FMCSA filing requirement for general freight carriers; required by nearly every broker and shipper contract.
- 1Trades carrying it 8 of 37
- 2Highest injury rate 8.5 per 100
- 3Lowest of them 1.9 per 100
- 4Typical requirer For-hire carriers and move
What it is for
Motor truck cargo covers the freight in a carrier's care; garagekeepers and on-hook do the same for vehicles in a repair shop's or tow operator's custody; warehouse legal liability for goods in storage. None of these is an FMCSA filing requirement for general freight, but brokers and shippers make cargo cover a condition of nearly every load, and repair customers expect the shop to answer for their car.
How it is bought
Trades that carry motor truck cargo
For-hire carriers and movers. On this site, 8 of 37 trades list it, from local messengers and local delivery at 8.5 recordable cases per 100 workers to automotive repair and maintenance at 1.9.
What to ask a broker
- What the policy excludes that your work actually involves.
- Which contracts or licences require this line and the limit they name.
- Whether it is a standalone policy or an endorsement, and what the deductible is.
Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.