Physical Damage and Cargo

We can provide Monoline or Package Physical Damage/Cargo coverage options for Commercial Auto risks. By partnering with our carriers, we are able to provide tailored coverages that match the insured’s needs.

Physical Damage – Provides coverage to the insured’s vehicles when they have sustained damage. There are two parts to physical damage insurance. Collision coverage works when the insured’s vehicle is involved in an accident. Comprehensive coverage can help repair or replace the insured’s vehicle if something other than an accident damages it.

Cargo – Provides coverage for the freight or commodity hauled by a For-Hire trucking operation. It covers the insured’s liability for cargo that is lost or damaged due to covered causes of loss.

Physical Damage/Cargo Coverage Details and Features

  • Flexible Limits & Deductible options
  • Admitted and Non-Admitted policies
  • Coverages tailored to meet the insured’s exposures
  • Refrigeration Cargo Coverage for Reefer exposures
  • Nationwide Coverage
  • Package & Monoline options available

Unique Cargo Classes

  • Sand and Gravel
  • Frac Sand
  • Saltwater
  • HazMat Commodities
  • Household Goods Movers
  • Autos - New or Used
  • Pharmaceuticals
  • New Ventures

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.