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Motor truck cargo for trucking companies
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Required if you move household goods for hire interstate — federal rules require cargo coverage of at least $5,000 per vehicle and $10,000 per occurrence (49 CFR 387.303); for general freight there is no federal cargo mandate, and coverage is a contractual matter with shippers and brokers.
What it covers for trucking companies
Inland-marine coverage for the customer's property in the carrier's possession in transit — coverage for property held by a bailee. The federally required household-goods version exists to compensate individual shippers for loss or damage to property in the carrier's custody. A hauler's entire product is the safe arrival of someone else's property — cargo in your custody is the trade's signature exposure.
Sources: 49 CFR § 387.303 — security for the protection of the public (govinfo) (as of CFR 2023 edition, retrieved 2026-06-06) · NAIC — Glossary of Insurance Terms (inland marine) (retrieved 2026-06-06)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for motor truck cargo, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the motor truck cargo benchmark for trucking companies — same URL, real numbers.
Until then, see what trucking companies need state by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · all states →
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