What is motor truck cargo insurance coverage?
Motor Truck Cargo insurance protects goods being transported by a motor carrier against loss or damage caused by events such as accidents, theft, fire, or other covered causes while in transit.
It helps cover the carrier’s financial responsibility for freight owned by others—supporting compliance with broker and shipper requirements and reducing out-of-pocket exposure when cargo is damaged, lost, or stolen.
Cargo protection
Broad Freight Eligibility
Structured to support common trucking commodities and operations within clearly defined underwriting guidelines.
Flexible Limits
Competitive cargo limits available depending on the type of operation, equipment, and commodity being transported.
key underwriting
highlights
We’ve built our Motor Truck Cargo program around the realities of today's freight operations: supporting new ventures, accommodating a range of equipment types, and rewarding experience with meaningful discounts.
New ventures eligible (subject to underwriting review)
CDL and Non-CDL operations accepted
Minimum driver experience: 1+ year
Local, regional, and long-haul operations accepted
Intermodal exposure and container coverage considered
Competitive cargo limits up to $200,000
Discounts available for:
3+ trucks, with increased savings for 6+ units
Driver experience
Veterans
Owner-operators
Pay in full discount
Motor truck cargo
program guide
- 01 -
Eligible Classes
Most standard, non-hazardous freight operations (including intermodal freight and container coverage exposures) fit comfortably within program guidelines.
General Freight
Less-than-truckload (LTL)
Last-Mile Delivery
Hotshot & Expeditor
- 02 -
Eligible Vehicles
Semi truck
Dry van
Flatbed truck
Cargo van
Sprinter van
- 03 -
States
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Illinois
Indiana
Maryland
Michigan
Missouri
Montana
Nebraska
Nevada
New Jersey
North Carolina
North Dakota
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Dakota
Tennessee
Texas
Utah
Virginia
Washington
- 04 -
Agents / Brokers
Competitive broker fees
Submissions are accepted only through agents and brokers appointed with RTA.
Appointment and proper state licensing are required.
Why choose
RTA's program
Financial Strength
Backed by Lloyd’s of London through established syndicates supporting transportation risks.
Competitive Pricing
Structured underwriting and transportation expertise help maintain competitive cargo rates.
Transportation Focus
Designed specifically for trucking operations, freight carriers, and commercial auto risks.
Flexible Coverage
Cargo limits and underwriting structured to support real-world freight operations and delivery models.
