Why Cargo Coverage Matters
Cargo is the lifeblood of every trucking company. Each shipment represents a promise to your customer—and potential revenue for your business. But when something goes wrong, even one damaged or stolen load can lead to significant losses and jeopardize key contracts.
In the fast-paced world of transportation, risks exist at every turn. Cargo can be lost in transit, stolen from a rest stop, or damaged in an accident or weather event. Even careful drivers can’t prevent every hazard. When your freight is unprotected, those costs often fall directly on the business owner.
That’s why cargo insurance is one of the most critical parts of a trucking company’s risk-management plan. It ensures that when loss or damage occurs, you can recover financially and maintain the trust of your clients.
Comprehensive Trucking Insurance
A strong insurance strategy does more than protect what’s inside the trailer. Comprehensive trucking insurance combines multiple layers of protection to keep your entire operation running safely and legally.
Key coverages include:
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Motor Truck Cargo Insurance – Covers freight that’s damaged or stolen while under your care.
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Commercial Auto Liability – Protects your business if your drivers cause injury or property damage in an accident.
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Physical Damage Coverage – Pays for repairs or replacement of your own vehicles after collisions, fire, or theft.
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Non-Trucking (Bobtail) Liability – Extends coverage when a truck is driven for personal use outside of hauling.
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Workers Compensation – Ensures employees are covered for medical costs and lost wages if injured on the job.
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Business Interruption Insurance – Helps cover lost income when operations are halted due to a covered incident.
MPL Risk works with trucking and logistics companies throughout Pennsylvania and New Jersey to design policies that meet both state and federal requirements. We understand the challenges facing local and interstate carriers—whether you manage long-haul freight, last-mile delivery, or specialized hauling.
By assessing your routes, vehicle types, and cargo categories, we help ensure your coverage limits are accurate and your compliance paperwork stays current.
Delivering with Confidence
Your fleet is more than equipment—it’s the foundation of your business. With MPL Risk’s trucking and cargo insurance, you can operate confidently knowing that your drivers, trucks, and freight are protected from the unexpected.
Whether you’re based in Harrisburg, Newark, or anywhere in between, our team delivers tailored coverage for trucking operations of every size. When you’re ready to expand, we’re here to keep your business moving safely—and your cargo secure—mile after mile.
