Mayflower Insurance

insurance trucking

Why Truckers Need Cargo Insurance?

Why Truckers Need Cargo Insurance?

We always need commercial truckers to have general liability insurance before they drive the truck. The law requires that they need insurance to be cared for if an accident happens. This liability insurance provides essential protection to the truck. You must have known that the cargo can be destroyed/ stolen in many ways, which is why you must have cargo insurance in Indiana for your trucks. Per the FMCSA, one must have insurance to help one get their truck running on the roads. There should be minimum insurance so that some losses can be covered if a mishap happens.

Why Truckers Need Cargo Insurance?

What Is Trucking Cargo Insurance In USA?

This insurance is the insurance that is needed for the protection of heavy and expensive cargo which is carried by your trucks. It can be carried by trucks in all weather, especially in cold weather when the roads become very dangerous due to slippery surfaces. We have seen that insurance provides protection during times of fire, wind, hail, and theft, and it may cause the cargo to be destroyed during the time of the collision. As per the federal government, the insurance should be maximum to be around $5000, but it depends upon the cargo you are taking in the truck. It is seen that there are many truckers and companies, and agents who buy insurance of $100000 to secure the cargo of the trucks while they make their way all over the states in the USA.

Types of Cargo Insurance Policies

There are not many types of truck insurance, and we will discuss them in detail to get you an idea about each. There are mainly three kinds of insurance that can be done by an insurance company:

  • Open Cover Trucking Cargo Insurance – It will cover all the insurance cases listed in the policy and leave behind the ones that come in the exceptions. Open insurance is good for large to medium businesses that ship goods and products frequently. If you are shipping multiple shipments to and fro, then it is needed to have open-cover insurance. It is always affordable and cost-effective to cover large volumes as per the load they take every day.
  • Contingency Trucking Cargo Insurance – This type of insurance is carried out by the client rather than the seller, and it is done to take place when all other insurances are not working as they intend to. In this case, the insurer tries to give it to the beneficiary in an attempt to get back from the seller. It takes care of the loss, which could happen if things do not go as they should have been. Our agents understand this insurance coverage and are ready to give you the best of that whenever the need arises.
  • Specialized Cargo Insurance – It covers a certain batch of cargo with the trucker, which needs special care and insurance. For example, a client is carrying freshly caught fish from one place to another. Then the client gives specific instructions under which, if they are ignored, the insurance company will pay for the loss of the shipment.

Every client has different needs which need to be followed while you transfer the shipment with that trucker or the company. 

Why Do You Need Cargo Insurance In Trucking?

This insurance is needed for your business because of the following reasons:

  • It is the law that has been created by the Federal government which is needed to be followed
  • Accidents can happen anytime, and that is why before they happen, it is good to keep a hand in the insurance such that it can help you take the expenses from your hands
  • It protects the property of the client when they are getting transported by the trucks
  • It gives protection to the truck from physical damage as, with time, most things get destroyed with time, and thus it is needed to have this insurance
  • One should always have bobtail insurance such that when the trucks are not carrying the cargo, they are protected

Now let us discuss what it will exclude when the cargo is being transported, and something like this happens because then the insurance company will not be liable to pay to the beneficiary:

  • If the personal items of the drivers are lost/ stolen/ destroyed.
  • If there is a loss of the shipping containers like they get destroyed or something happens like regular wear and tear.
  • If the cargo is explosive or it is a radioactive material, then the insurance won’t cover the expenses; that is why the government does most of the transportation of these types of cargo.
  • If art or jewelry is being transported and they are prone to thefts which makes them very much liable to be stolen on the way, and that is why personal guards are hired to protect the goods while they are being transported.
  • Money or money paper is being transported, and that is when you need to take care of the transportation because, like jewelry, they are highly contagious and can be stolen on their way to the banks. It is one of these reasons when they are transported; the information is needed to know only..
  • Live animals are getting transported, so it is good that they should be transported in the best conditions because the insurance companies do not give insurance protection to them.
  • If the goods getting transported are illegal, like contraband, medicines then it is something that the client needs to take care of and not the insurance company, or the truckers are liable to pay if they are lost or destroyed on the way.
  • Imagine some of your cargo is kept for over 3 days waiting to be picked up by you, and in the process, the cargo or the goods are lost to the weather or any other calamity. Then, the insurance company or the trucker will not be liable to pay for any of the damage which has happened to the cargo.

Thus, it only pressurizes that truckers need cargo insurance in Indiana as they can help when you do not have the money or the funds, and they pay for almost most situations. For this insurance, you can contact mayflower Insurance Services by filling out this form.


Q1. What are the best motor truck cargo insurance companies?

Ans. There are many companies, but if you need the ones which are good for you, you can contact us and get the best insurance solutions.

Q2. What does motor truck cargo insurance cover?

Ans. Motor truck cargo insurance covers everything except the situations which are exceptions.

Q3.  How do I get cargo insurance for a short-term box truck rental?

Ans. You can get them directly, but you can contact Mayflower Insurance company to get the most affordable policies.

Q4. Is it possible for U-Haul to rent cargo trucks with no insurance coverage in accidents?

Ans. It depends upon the type of insurance services you have opted for.

Q5. What kind of insurance do I need as an owner-operator trucker?

Ans. You need to have general liability insurance, at least as it is my federal law.


insurance trucking

Trucker Pollution Insurance- Benefits

Trucker Pollution Insurance- Benefits

Commercial auto insurance is something that every driver needs to insure their cargo before they take the roads. Other than this, there is Trucker Pollution Insurance which not only gets you out of the hands of the CDC but also can help you reduce the expenses you might need to pay after the mishap. You must be knowing trucking accidents happen every day somewhere in the world or in your state. Since they carry heavy and dangerous substances, sometimes they lead to death and destruction, which is what they leave behind.Trucker Pollution Insurance Benefits

Why is there a risk of pollution by Trucker?

It is good to know that the truckers’ main or primary job is transporting cargo and dangerous chemicals and gasses. Many truckers must be traveling every day in good and sometimes harsh conditions like snow, strong winds, and heavy traffic. It is like this which can reduce the total work which you can do in the process. Let us explain with an example- say the trucker is carrying harmful by-products of nuclear products.

This can be very harmful to anyone who comes in contact. There is a distance of 1000 km, which the trucker has to cover to reach the destination. The truck slips on the ice on the way, and its content spills on the road. It usually sips in the cracks in the soil and mixes in the nearby water body. Nature can ruin; anyone who comes in contact can lose their life, and everything is havoc.

Suppose the cargo comes in this kind of situation. In that case, it is better always to have pollution insurance if you have a business carrying harmful content. It can disrupt the normal function of living and nonliving after the accident. You may be wondering – there is not always a cargo that could create havoc like in the above case. Then how why do you need insurance? Even if there was no spill or harm – the road, the truck, and the driver everyone needs compensation.

For that, if you have pollution insurance, it can also help you get good compensation and reduce expenses. When something like this happens, there will always be a cut in your profits. You may not know that normal trucking insurance does not cover Trucker Pollution Insurance. It is an additional charge for you which you can surely reduce if you have such insurance in your portfolios.

Are you liable after the accident?

The liability that the cargo travels after the accident ranges from spills to destruction of government and public property and might include death and long-term harmful effects to the normal people living on both sides of the road. 

Okay, now you must be thinking about how you are liable for any of this, or maybe we are just making it up for you. Let us say you wanted to transport your product from one place to another a product of your company. Your trucking company sells the contract to a third-party logistics company. Now, to reduce the costs, they share the contract with the cheapest company, and they have been unable to keep a check on their drivers.

That truck and the product can strike, and the content of the cargo may litter the road. The new channels came running like vultures, and the reputation of the company went down the drain. This is how you can become from one of the best to the least used ones. Now the case of “Due Diligence” will be there on you. 

So, in the end, trucking insurance is for everyone. It is the trucking company’s responsibility that hires a 3rd party to transport goods and your cargo. It is the responsibility of all the parties in the contract, which is why all the possible scenarios are giving contracts or talking to any of them about the same. 

What are the types of pollution liability?

Pollution can be of many types. It is usually seen that the companies only pay for their truck, extraction of debris, and all other things. What if we can get you the policies that cover your expenses? Less cash is needed to get your truck back, with companies now also lawyer fees. Moreover, you can reduce your unexpected scenarios. The way of the accident, the type of the accident, and also the time. And how it happens can help you find which type of insurance will be more prevalent for you:

  • Liability with Transport pollution – When the cargo is en route, and the cargo gets destroyed or spilled during/ after the accident, transportation pollution is the best policy to take as it will cover the things specifically for transport pollution.
  • Liability with Contractor pollution – This is the type of policy where the contractor is liable for the pollution as it is done on shifting/ loading/ unloading the cargo and comes under their jurisdiction, which leads to coming under their liability therefore, this is the reason why you should we have this insurance for them.

When you will go to the insurance agent to buy the policy, explain to them why and what variables are there in your business of trucking such that they can help you to get the best policy. If you do not know how to explain this to your agent, you can contact us – the Mayflower Insurance Services – we can help guide you to the best plans for your business. We provide customized policies, which will include things per your requirements and needs. Moreover, you can only have to pay for these services. You can reach us at (877) 400-0500 or get your free quotes to get an idea of how much you might be spending for Trucker Pollution Insurance.


Q1. What is a pollution exclusion in insurance?

Ans. It is a type of provision in the first and third provisions that exclude coverage from the insurance.

Q2. Does MCS 90 cover pollution?

Ans. It will come into effect when there is a cause of pollution by the insurer.

Q3. Does CA9948 cover loading and unloading?

Ans. It does not cover the loading and unloading of the cargo and goods.

Q4. What is limited pollution coverage?

Ans. It means the clean-up costs will be given by the insurer.

Q5. Who is required to have an MCS 90?

Ans. All commercial vehicles and private owners should have MCS 90.