According to Minnesota state laws and Federal Motor Carrier Safety Administration (FMCSA) rules, commercial truck drivers and trucking operations must carry certain types and amounts of liability insurance. In addition to these liability policies, you may also have additional insurance to help protect your truck, trailer and cargo.

Appropriate commercial trucking insurance is crucial for the future financial stability of your trucking operation. Contact Sebrite Agency in Minnetonka, Minnesota, to learn more about your trucking insurance options.

Motor Truck Cargo Insurance Coverage

Motor truck cargo insurance helps cover the commodity or freight hauled by a truck driver. It covers the driver or trucking company’s liability for cargo damaged or lost due to certain unexpected events, including collision, striking of a load or fire.

Your motor truck cargo insurance may include removal expenses coverage. This coverage helps pay for the cost of removing a load if it’s accidentally dumped on a roadway.

When you choose motor truck cargo insurance coverage, you’ll also have the opportunity to specify a deductible and limit for the coverage. Your deductible is the amount of money you pay toward the damages when you file a claim before the insurance coverage kicks in. The coverage limit is the maximum amount of money your insurer will pay if you file a claim for destroyed or damaged cargo. 

Who Needs Motor Truck Cargo Insurance?

Any truck driver or trucking operation that uses tractors, dump trucks, trailers, cement mixers, flatbeds, car haulers or cargo vans to haul cargo may benefit from purchasing motor truck cargo insurance. Your agent can help you determine the coverage you need to meet your shipper’s requirements and get appropriate coverage for the type of goods you typically haul.

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Contact Sebrite Agency today to get the commercial trucking insurance you need to stay in compliance with FMCSA rules and state laws.