Cargo coverage that matches the freight
Motor truck cargo policies often exclude or limit certain commodities, such as electronics, alcohol, tobacco or pharmaceuticals, and many require trucks to be attended or parked in secured lots. Compare the commodity list in the policy with what your customers actually ship.
Refrigerated loads
Reefer carriers should ask about reefer breakdown coverage, which can pay for spoiled cargo when the refrigeration unit fails, subject to the policy's conditions. Temperature records from the unit help support a claim.
Broker and shipper requirements
- Auto liability limits stated in the carrier agreement
- Cargo limits per load
- Being listed as certificate holder or additional insured
- Notice to the broker if coverage is cancelled
- Proof that every scheduled driver is approved
Theft and parking
Cargo theft is a concern around busy freight hubs. Policies may include conditions on where loaded trailers can be left. Plan routes and rest stops so drivers can meet those conditions, and use locks and seals.
Driver hours and fatigue
Regional runs often bump against hours-of-service limits when docks are slow. Electronic logging data is now part of how many insurers and brokers view a carrier. Plan appointment times realistically and document detention, so drivers are not pushed to make up time on the road.
Underwriters also look at how you hire. A written process for checking motor vehicle records, previous employers and drug and alcohol clearinghouse results shows the fleet is managed with care.
Frequently asked questions
Is a broker's insurance enough?
No. Brokers generally require the carrier to carry its own liability and cargo coverage.