General Liability & Cargo Insurance

Complete protection for your business operations and cargo

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Protect Your Business and Cargo

Your business needs more than just auto insurance. At United Insurance Group, we provide comprehensive general liability and cargo insurance specifically designed for transportation companies and trucking operations.

From protecting against third-party claims to safeguarding the cargo you haul, our coverage solutions help you operate with confidence. Whether you're hauling general freight, refrigerated goods, or specialized cargo, we have the right protection for your business.

General liability protection
Motor truck cargo coverage
Reefer breakdown protection
Loading & unloading coverage
General Liability & Cargo

Liability & Cargo Coverage Options

Comprehensive protection for your business and the goods you transport

General Liability

Protection against third-party claims for bodily injury and property damage.

  • Premises liability
  • Operations coverage
  • Products & completed ops
  • Legal defense costs
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Motor Truck Cargo

Coverage for damage or loss to cargo while in your care, custody, or control.

  • All-risk cargo protection
  • Theft and vandalism
  • Collision damage to goods
  • Named perils options
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Reefer Breakdown

Protection for refrigerated cargo when cooling equipment fails.

  • Temperature spoilage
  • Equipment malfunction
  • Mechanical breakdown
  • Power failure coverage
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Loading & Unloading

Coverage for cargo while being loaded or unloaded from your vehicle.

  • Loading dock operations
  • Dropped cargo protection
  • Forklift damage coverage
  • Hook liability
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Frequently Asked Questions

What is motor truck cargo insurance?

Motor truck cargo insurance protects the freight you're hauling from loss or damage. It's typically required by shippers and brokers, with coverage limits ranging from $100K to $250K or more depending on commodity.

Do I need general liability as a trucking company?

Yes, general liability protects your business from third-party claims not covered by your auto policy. This includes slip-and-fall accidents at your premises, damage during loading operations, and other business-related incidents.

What does reefer breakdown insurance cover?

Reefer breakdown covers spoilage of refrigerated cargo due to mechanical failure of your cooling equipment. This is essential if you haul temperature-sensitive goods like food, pharmaceuticals, or flowers.

How much cargo insurance do I need?

Coverage requirements vary by shipper and commodity. Most require minimum $100K, but high-value goods may require $250K or more. Your insurance agent can help determine appropriate limits based on your typical loads.

Protect Your Cargo and Business Today

Comprehensive liability and cargo coverage for peace of mind on every haul.

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