Protecting the Freight That Fuels Your Business

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.

Loading & Unloading Incidents

Accidents happen. This coverage supports damage caused during loading or unloading operations—common for owner-operators and freight carriers.

Theft or
Vandalism

Provides critical protection against cargo theft or vandalism, whether your truck is parked overnight, in storage, or at delivery locations.

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.

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.

High-Value Cargo Options

Offers enhanced cargo insurance for electronics, medical equipment, and high-value shipments that require higher policy limits or specialty underwriting.

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.