With billions of dollars of cargo crisscrossing our nation’s highways each year, trucking carriers and owner-operators face enormous risks on every run. They assume a huge financial responsibility for the property they haul. Anything from an accident to theft, or a refrigeration breakdown, could result in serious financial loss.

Cargo Advantage® provides a customized solution to protect your clients, from single unit owner-operators to large fleets, from such financial loss. Cargo Advantage helps keep your clients rolling with peace of mind, providing broad protection against risks uniquely associated with transporting cargo.

Cargo Advantage logo


  • Ability to fit the needs of any size carrier, from a single unit owner-operator to 100+ unit fleets.
  • Scheduled vehicles or blanket coverage based on mileage revenues.
  • Diminishing Deductible (deductible is reduced for each loss-free year)
  • Broad definition of transit, which includes loading & unloading.
  • Limits and deductibles that can be customized to best fit the needs of your client.
  • Coverage endorsements and policy language created to meet the needs of specialized operations, including:
    • Automobile Carriers
    • Courier Operations
    • Household Goods/Furniture Movers
    • Mobile Home Movers
    • Wrecker/Towing Operations
    • Owner-Operator/Subhauler
  • Low minimum premium
  • Dynamic rating methodology that rewards insureds for years in business, good loss experience and maintaining good safety ratings.
  • Claims are handled by our own in-house team of cargo claim experts.
  • Our staff of loss control experts will work with you to help improve the safety and security of your operations for better risk management and cost savings.

Additional Coverages (Included)

The following coverages and limits are included with every policy. Limits can be increased to meet the needs of your clients.

  • Debris Removal, Towing, Traffic Control & Security - $10,000
  • Reloading Expense - $5,000
  • Pollutant Clean Up - $10,000
  • Earned Freight Charges - $10,000
  • Fire Department Service Charges - $10,000
  • Loss Data Preparation - $1,000
  • Reward Coverage - $2,500

Optional Coverages (Available)

  • Refrigeration Breakdown
  • Non-Owned Container and Trailer Interchange
  • Owner Operator or Subhauler under Contract or Lease to a Motor Carrier
  • Reusable Packing Containers
  • Tarps, Chains and Moving Equipment
  • Owners Goods Extension

Learn more about our products and services