Cargo Insurance for Trucking Businesses
Your cargo is your responsibility—from pickup to delivery. Whether you're hauling electronics, construction materials, or temperature-sensitive goods, cargo insurance ensures you're covered if something goes wrong. At Wizard Insurance, we design policies that meet federal guidelines, broker requirements, and shipper expectations—serving drivers and fleets across California, Texas, Arizona, Colorado, Tennessee, Nevada, and nationwide.
Safeguard your freight—before, during, and after the haul.
What Cargo Insurance Covers
Your freight is your livelihood—and protecting it is ours. Our cargo insurance for commercial trucking businesses is built to secure your loads against common in-transit risks, helping you stay compliant, competitive, and covered coast to coast.
Freight Loss or Damage
Covers the cost to repair or replace damaged, stolen, or lost freight during transport—an essential part of every commercial truck insurance policy.
Theft or Vandalism
Provides critical protection against cargo theft or vandalism, whether your truck is parked overnight, in storage, or at delivery locations.
Loading & Unloading Incidents
Accidents happen. This coverage supports damage caused during loading or unloading operations—common for owner-operators and freight carriers.
Temperature-Controlled Coverage
Ideal for refrigerated truck operators, this option protects against spoilage or damage due to reefer breakdown when hauling perishable or temperature-sensitive goods.
High-Value Cargo Options
Offers enhanced cargo insurance for electronics, medical equipment, and high-value shipments that require higher policy limits or specialty underwriting.
Coverage for Multiple Stops
Perfect for LTL carriers or multi-stop hauls, this policy extension ensures freight is protected throughout the full delivery cycle—no matter how many destinations.
Benefits of Our Cargo Insurance Coverage
You never plan for freight to go missing or get damaged—but when it happens, you'll be glad you're covered. Wizard Insurance partners with A+ rated carriers to deliver cargo coverage that's trusted, compliant, and respected by brokers and shippers. With our expert support and nationwide reach, you'll meet the requirements and gain the peace of mind that every load is protected.
Protect the Load—Every Load
With Wizard Insurance, your cargo coverage travels with you—so you can keep moving with confidence, no matter what you're hauling or where you're headed.
Get insured today and meet every haul with confidence.