Transporting goods comes with constant exposure to risk. From damage and theft to temperature-related loss, even a single incident can impact your operations and bottom line.

B Smart Insurance offers a specialized Motor Truck Cargo solution designed to protect your shipments while they’re in transit. Built for today’s logistics environment, this coverage helps ensure your cargo – and your business – keeps moving forward with confidence.

Coverage Designed for the Road

Our Motor Truck Cargo program is built to protect your freight from pickup to delivery, with flexible options that reflect the realities of modern transportation.

Whether you operate independently or manage a growing fleet, this solution provides dependable protection for a wide range of goods and operating conditions.

Core Coverage Features

• High Coverage Limits
  Protection of up to $1,000,000 available for high-value shipments and diverse cargo types
• Refrigerated Goods Protection
  Coverage includes reefer breakdown for temperature-sensitive cargo (excluding driver-related mechanical issues)
• Flexible Deductible Options
  Choose deductible levels that align with your risk tolerance and business needs
• Extended Coverage Options
  Additional insureds and other key endorsements available to meet contractual and operational requirements

Who This Coverage Is For

Motor Truck Cargo insurance is designed for a wide range of transportation operations, including:

• Owner-operators
• Private carriers
• Independent contractors
• Logistics and freight operators

Coverage is best suited for operators running standard heavy-duty trucks and trailers with active operating authority.

What Can Be Covered

Our program supports a broad range of commodities across multiple industries:

• Construction & Industrial Materials
  Lumber, metals, aggregates, building supplies, and equipment
• Retail & Commercial Goods
  Electronics, appliances, furniture, and packaged merchandise
• Agricultural & Food Products
  Grain, produce, frozen goods, and consumables
• General Freight
  Machinery, palletized goods, and containerized shipments

This flexibility allows you to move a variety of cargo types under a single, reliable policy.

Simple & Clear Requirements

To ensure fast and accurate coverage, a few key details are required:

• Completed insurance application
• Summary of past claims (if available)
• Details on your operating radius and routes
• Active operating authority (NSC or MC)

Our team works with you or your broker to make the process straightforward and efficient.

Important Coverage Considerations

While this program is broad, certain high-risk operations are not eligible, including:

• Hazardous or explosive materials
• Live animals or highly specialized cargo
• Household moving operations
• Oversized or high-risk transport exposures

If you’re unsure about your operation, our team can help determine eligibility.

Your Partner in Transportation Risk

At B Smart Insurance, we understand the demands of the transportation industry. Our Motor Truck Cargo solution is built to protect your shipments, support your operations, and respond when it matters most.

With responsive claims support and a focus on long-term reliability, we help keep your business moving – mile after mile.