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Motor truck cargo insurance
Published 2026-06-12 · by Brokly
In plain terms: Covers the freight you're hauling — if the load is damaged, stolen, or lost on the road, this is the coverage that pays the owner of the goods.
Why it matters to you
Your truck policy covers the truck, not what's in the trailer. Shippers and freight brokers ask for proof of cargo coverage before they'll load you, and the certificate they request names the limit they expect.
Where you’ll see it
In freight-broker setup packets and shipper contracts as a required coverage, and on your certificate of insurance as the cargo line.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.