Motor truck and contingent cargo from The Hanover
Motor truck cargo insurance protects freight or commodities hauled by a for-hire trucker, assuming liability for cargo that’s lost or damaged, including the cost to remove debris or extract pollutants.
And when a for-hire trucker or motor carrier refuses to honor a claim for lost or damaged cargo, that's when contingent cargo coverage comes in. It protects the freight broker who arranged for the truck transportation of others' cargo against cargo damage claims, peril exclusions, commodity exclusions, lapses in a motor carrier’s policy, carrier insolvency and much more.
Our target appetite for motor truck cargo includes:
- Small to large-sized for-hire fleet truckers
- 25-99 power units, with the ability to write 5-25 and 100-499 for select accounts
- Local and intermediate radius
- Limits up to $250K, with higher limits available for select accounts
Our target appetite for contingent cargo includes:
- Incidental freight brokers with up to 50% of receipts, with the ability to write over 50% of receipts for select accounts
- Limits up to $250K, with higher limits available for select accounts
Motor truck cargo
Our robust base form includes key coverage with flexible sub-limits that can be increased to further tailor protection, including:
- Duty to defend – included
- Business personal property – $10K
- Cargo extra expenses – $15K
- Debris removal – $25K
- Earned freight charges – $25K
- False pretense – $10K
- Fire and police department service charges – $10K
- Fire protection equipment – $5K
- Loss adjustment expenses – $5K
- Newly acquired terminals – $100K
- Newly acquired vehicles
- Pollutant cleanup and removal – $25K
- Refrigeration breakdown
- Substitute vehicle
- Towing and storage – $25K
Additional coverage options and product features include:
- Broad coverage for most commodity types, unless specifically excluded
- $1K minimum deductible
- Adulterated food coverage endorsement
- Non-owned trailer coverage endorsement
Contingent cargo
Our base form is designed to meet the needs of today’s transportation broker. Each policy includes the following coverage, with limits and options that can be tailored to each broker’s needs:
- Coverage included for property in transit and property in terminals
- Valuation — up to carrier’s legal liability
- Broad coverage territory
- Defense costs — $25K
- Fraud and deceit — $10K
- Pollutant cleanup and removal — $25K
- Uncollectible freight charges — $5K
Additional coverage options and product features include:
- Refrigeration breakdown
- Adulterated food
- Freight brokers errors and omissions
- Theft from a parked trailer
- Theft by a carrier employee
Our contingent cargo offering is not available in: CA, CO.
At The Hanover, we understand the value of tailored protection. Our motor truck and contingent cargo offering helps protect truckers and transportation brokers against the perils of the road. Unlock The Hanover advantage.
More options for more businesses
We are a top 10 Marine writer offering inland and ocean marine capabilities, and a full range of products, from builder’s risk and contractor’s equipment to property floaters and warehouse legal liability.
Competitive products
We have flexible, customizable solutions that address the unique needs of your clients, offering unique coverage and service solutions to differentiate your sales and services.
Convenient billing options
With a selection of payment options, it's fast and easy view past statements and pay bills in minutes.
Robust risk management offerings
We offer valuable resources for fleet management and loss prevention services for motor truck cargo policyholders, including an online risk management portal, online driver training courses, preferred pricing on motor vehicle records checks, GPS, a leading fleet safety program and more.
Dedicated professionals
We offer direct access to a dedicated marine underwriting team with in-depth experience in the transportation industry. Plus, our in-house claims professionals, litigators, defense counsel and extended network of law firms work closely to resolve claims quickly and equitably.
Trusted partner
We offer the support and strength of a leading insurance carrier with “A” ratings from A.M. Best, S&P and Moody's.
Our target appetite for motor truck cargo includes:
- Small to large-sized for-hire fleet truckers
- 25-99 power units, with the ability to write 5-25 and 100-499 for select accounts
- Local and intermediate radius
- Limits up to $250K, with higher limits available for select accounts
Our target appetite for contingent cargo includes:
- Incidental freight brokers with up to 50% of receipts, with the ability to write over 50% of receipts for select accounts
- Limits up to $250K, with higher limits available for select accounts
Product resources
Total Hanover solution
From standard solutions to highly tailored offerings for more complex risks, our portfolio of specialized capabilities offers the range of coverage solutions you need to meet each client's unique needs.
Resources for your customers
Hanover Risk Solutions has assembled a range of resources, partner offerings, and education and training to help clients’ address their marine risks.
See all of our Risk Solutions resources for marine
Customer tools
Let's start a conversation today
Contact a member of our team to learn more about our coverage and services.
Ed Johnson
Vice President, Specialty Underwriting - West
317-208-5720
ejohnson@hanover.com
Michael Disarno
Vice President, Specialty Underwriting - Programs
732-805-2387
mdisarno@hanover.com
Dave Wojciechowski
Assistant Vice President, Specialty Underwriting - Midwest
517-540-4940
dwojo@hanover.com
Craig Mogielnicki
Assistant Vice President, Specialty Underwriting - Pacific
916-773-8902
cmogielnick@hanover.com
Jeremy Giard
Assistant Vice President, Specialty Underwriting - Southeast
704-409-1045
jgiard@hanover.com
Jared Lester
Assistant Vice President, Specialty Underwriting - Houston, TX
713-243-7068
jlester@hanover.com
Eric Gifford
Assistant Vice President, Specialty Underwriting - Metro and New England
732-877-4387
egifford@hanover.com
Susan Foland
Director, Specialty Underwriting - Arizona
602-732-6209
sfoland@hanover.com
Susanne Wagner
Assistant Vice President, Specialty Underwriting - Dallas, TX
214-750-3918
suwagner@hanover.com
Nate Trussell
Director, Specialty Underwriting - Colorado
720-440-8410
rtrussell@hanover.com