Independent agency
We work for you, not for one insurance company.
Motor truck cargo insurance
Motor truck cargo insurance for the freight you haul
Cargo coverage follows the freight from pickup through delivery. Tell us what you haul, and we will shop the trucking markets that fit your operation.
- Clear coverage options
- Multiple trucking markets
- A real person reviews it
Independent agency based in Twinsburg, Ohio. We shop multiple trucking markets.
Ready for quotes?
Tell us what you run. We will review it and explain the options.
330-486-8404
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Independent Agency · Trucking Markets · Real Quotes
Companies we shop for you
Progressive
National General
GEICO
LEEO
Forge
DieselInsure
CoverWhale
We are an independent agency with access to multiple standard carriers, trucking specialty markets, and E&S (excess and surplus) markets. Availability and eligibility vary by coverage, location, and insurer. Carrier names identify companies Kaufman Insurance Group may access as an independent agency and do not imply endorsement.
E&S markets are excess and surplus lines carriers. They cover trucking risk that standard carriers turn down, like new authorities, high-risk commodities, or drivers with a rough record.
A clear next step
How trucking coverage starts.
- 1
Tell us about your operation
Your truck, what you haul and where it is garaged.
- 2
We shop the carriers
We take your account to the standard carriers, trucking specialty markets, and E&S markets we write with and compare the options.
- 3
You get covered
We walk you through the options and issue your documents.
Why work with an independent agency
What you get from an independent agency
Multiple carriers shopped
We take your account to the multiple standard carriers, trucking specialty markets, and E&S markets we write with, and compare the options for your specific situation.
One agency for everything
Trucking coverage, certificates, and your personal auto and home policies all in one place, with one person you can call.
Rate factors
What goes into your trucking insurance rate
Carriers look at the operation, not just the truck. These details give them the risk picture they need.
- What you haul and how far you run
- Your radius and operating area
- Years of CDL experience and driving record
- The value and age of the truck
- Your gross vehicle weight
- Whether you have your own authority or run under someone else's
- Your loss history
Every carrier rates these differently, which is why the same truck can come back at two different prices. We won't know what yours costs until we get you a quote. Often it isn't as expensive as we think it will be.
Choose your starting point
Two ways to start your coverage
Compare quotes online
Share your operation details and let an agent review the trucking markets that fit.
Get QuotesTalk to an agent
Call with the truck and cargo details. A real person answers, not a phone menu.
330-486-8404A real person answers, not a phone menu.
What freight coverage is built to protect
Freight coverage, commonly called motor truck cargo insurance, is designed for a carrier transporting property for another party. It can cover your legal responsibility for a shipper’s freight while that freight is in your truck, trailer or other care, custody and control. For an owner-operator, that means considering the actual freight you haul—not just the value of your tractor.
Covered causes of loss can include a truck accident, theft, fire and certain weather-related damage. The policy limit, deductible, commodity restrictions and exclusions all matter. A shipper or broker may require a certificate showing a specific cargo limit before you can take a load. High-value electronics, refrigerated products, household goods and specialized freight may call for different limits or endorsements.
Common exclusions need a close look
Freight coverage generally does not pay for normal wear and tear, mechanical breakdown, inherent vice, poor packaging or damage caused by improper loading. Some commodities may be excluded entirely or require special underwriting. That is why a commercial trucking insurance quote should start with your operating authority, lanes, cargo classes, radius and contracts.
How cargo fits with your required trucking insurance
Cargo is only one part of an insurance program. For-hire motor carriers also need commercial auto liability. Physical damage coverage can protect your truck itself, while general liability, trailer interchange or non-trucking liability may be relevant depending on how you operate.
We help you separate required coverage from optional protection and explain the exclusions before you bind. Kaufman Insurance Group is an independent agency based in Twinsburg, Ohio. We shop across multiple carriers, including markets that may write owner-operators, small fleets, long-haul and specialized freight, with availability subject to underwriting.
What affects the cost of cargo insurance?
Premium is influenced by cargo type, annual revenue, territory, radius, loss history, limit, deductible, equipment and the controls you use to prevent theft or spoilage. A complete application produces a more useful quote than a generic online estimate.
Related trucking coverage
Commercial Truck Insurance
Pair cargo with the liability program for the truck.
Read the coverage page →Box Truck Insurance
Review cargo needs for delivery and straight-truck operators.
Read the coverage page →Certificates of Insurance
Document cargo limits for brokers and shippers.
Read the coverage page →Contact Kaufman Insurance Group
Send the operation details or call 330-486-8404 to start a coverage review.
Read the coverage page →Questions you may have
Trucking insurance FAQs
What does motor truck cargo insurance cover?
Motor truck cargo coverage can protect freight you are legally responsible for while it is in your care, custody or control. A policy may respond to covered loss or damage from a collision, theft, fire or certain weather events, subject to the policy wording, deductible and exclusions. We review those details with you.
How much cargo coverage does a trucking company need?
We won't know the right limit until we know the cargo, shipper contracts, lane and other requirements. Many carriers ask for at least $100,000, but high-value, temperature-controlled or specialized freight can require more.
Does cargo insurance cover poor loading or mechanical breakdown?
Usually not. Normal wear and tear, mechanical breakdown and loss caused by improper loading or poor packaging are common exclusions. We can explain the exclusions that apply to your cargo class before you take the load.
What should I tell an agent about my freight?
Tell us the commodities, highest load value, temperature requirements, routes, storage or stopping practices and shipper contract requirements. Those details give us what we need to review the actual cargo exposure.
What information should I have ready for a quote?
Have your truck and trailer details, driver experience and records, cargo, operating radius, authority status, current limits and loss history ready. A broker, shipper or lender requirement can also affect the quote, so send that along too.
Can an independent agency compare this coverage?
Yes. We take your account to the trucking markets we write with and explain the differences in limits, deductibles, exclusions and eligibility. You get to see what fits your specific situation.
Tell us what you run. We will handle the rest.
Call 330-486-8404No obligation. We don't sell your information. Call 330-486-8404 and we will walk you through it.