Motor Truck
Cargo Program
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Built for brokers
Our Motor Truck Cargo Program (MTC) is designed to deliver fast, accurate, and intelligent coverage solutions for small fleets across the country. Powered by real-time data and a proprietary Risk Score, our program offers flexible underwriting, seamless submissions, and a broad appetite for quality risks, including dry van, reefer, flatbed, and more.
Program Type:
Motor Truck Cargo (Non-Admitted) 48 states
Specialty Builders Insurance Company (AM Best A X)
Key Limits:
Up to $250,000 per unit
Deductibles:
$1,000 standard
Reefer deductible $2,500 (increases for units over 10 years)
Optional Endorsements:
Non-Owned Trailer (Trailer Interchange) (up to $100,000)
Commodity Buy-Back Options
Broad Loss Payee (UIIA)
Appetite Snapshot
Fleet Size:
1 to 75 power units
All risks may be submitted via portal or email (rapid turnaround if information complete)
Eligible Risks:
Dry van, reefer, dump, box, garbage, flatbed, etc.
General freight, bulk commodities, specialized cargo, etc.
Two years stable operating history preferred
New ventures and sophomore ventures accepted (referral)
Excluded:
Chameleon entities, household goods movers, cannabis, fine art, firearms, etc.
Several challenging commodities eligible for buy-back