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Name Change. Cargo shield is now called Truckstop.com Cargo Insurance.

Cargo Insurance is still the same great per load cargo insurance you know and trust.

Per-load cargo insurance for both LTL and full truckload.

$24 per load cargo insurance for Brokers and Shippers.

Protect your cargo and your bottom line.

Get the insurance that puts you in the driver’s seat. Cargo Insurance standardizes cargo coverage and puts claims control back in your hands. Get hassle-free coverage in just minutes, with claims processed in 30 days or less.

What is Cargo Insurance?

Cargo Insurance is designed specifically to address the needs of Brokers and Shippers by standardizing cargo coverage and putting control of the claims process back into their hands. Claims are handled by a dedicated, professional team with the goal of processing claims in 30 days or less. The coverage process is hassle-free and takes just minutes!

What Cargo Insurance is

Primary cargo insurance provided on a broader Shipper’s Interest or “All-Risk” policy form. Coverage may be secured on a per-load basis, providing up to $100K in cargo coverage.
A stand-alone policy independent from the motor carrier’s insurance. In the event of a loss, the Broker/Shipper are in a first party position and do not rely on actions of the motor carrier to file claims.
A policy covering cargo loss due to “Acts of God”, unattended vehicles, theft, or loss from delay in transit.

What Cargo Insurance is NOT

Contingent cargo, which requires the motor carrier’s claim to have been denied to even file a claim.
Spike, Excess or GAP. Cargo Insurance is first-dollar coverage; it does not add to the motor carrier’s current coverage limit.
A Motor Carrier Legal Liability policy, which requires the loss to be due to the actions of the motor carrier.

Need more than $100K in coverage? Visit Trip Cargo.

Purchase Process

Create your file of covered loads.

Log into your Cargo Insurance Account.

Drag and drop your file.

Review your order and submit.

Print, store, or share your declarations.

Let’s talk coverage.

Want to learn how Truckstop.com insurance products can protect your bottom line for the long haul? We’re here to help.

Blayne Marples: 866-812-9675 x 6077

Policy Documents

Report a Claim

  1. Examine packaging and take action:
    • Write comments clearly on all shipping receipts about any irregularities, even if minor.
    • Verify that container seal numbers match those noted on documents.
    • Notate when a seal is broken.
    • Preserve all packing, damaged goods, and seals until further advised.
    • Retain all salvageable products until further advised.
    • Be as specific as possible in your documentation and take photos, if possible.
  2. Prevent further loss or damage. For example:
    • Separate wet cargo from dry cargo.
    • Re-pack to prevent further loss or damage.
    • Move goods to a secure location.
  3. Notify Carrier(s) immediately:
    • All carriers must be notified in writing immediately to avoid time-bars releasing them from their responsibility.
    • Concealed damage must be reported within five days of receipt or it will be time-barred.
  4. All claims must be sent via email to usz_carecenter@zurichna.com. Please note that all form fields must be completed.
  5. Retain all documents and submit copies to usz_carecenter@zurichna.com including:
    • Copy of Insurance Declaration
    • Commercial Sales Invoice(s)
    • Non-Negotiable copies of all Bills of Lading
    • Copies of all Delivery Receipts at each point in transit, with exceptions noted thereon
    • Statement listing exact amount being claimed and/or repair estimates (if applicable)
    • Photographs of damage (if applicable)
    • Carrier’s confirmation of non-delivery (if applicable)

Once your claim is submitted to the insurance company, you will be contacted by a Claims Resolution Specialist within 24 hours.

Purchase cargo coverage in your TMS.

Purchase per-load “all-risk” shipper’s interest cargo coverage, right within your own TMS.
View our list of available integrations!

Frequently Asked Questions

An “All-Risk” cargo insurance policy is the broadest form of shipping insurance and will cover any physical loss/damage from any external cause subject to the terms and conditions of the policy. This insurance will also cover things not normally covered in your Truckers insurance policy Like Acts of God, unattended vehicles, damage from strike and riot and hijacking to name a few.

This insurance is primary and non-contributory. What does that mean? This policy will respond first on behalf of the owner of the goods in the event of a claim. Be sure to follow all the instructions given on the website when you have a claim.

True, the trucker has Motor Truck Cargo Legal Liability insurance. However, many of these policies have common exclusions that are covered by Cargo Insurance like unattended vehicle, unknown commodities, Acts of God broader coverage territory and commodities for instance.

Coverage begins when the Trucker picks up the freight from the Shipper and stops when the freight is signed for by the consignee.

Cargo Insurance coverage costs $24 per-load or LTL.

Establish a Cargo Insurance account. Total daily purchases will be pulled by secured ACH withdrawal that night from your authorized bank account.

An on-line receipt will generate at the time of purchase. Retrieve your Declaration of Insurance certificates when required at the secure Declaration Repository located within Cargo Insurance.

Coverage is non transferable and not refundable.

Your Cargo will be covered in the Continental United States and Canada.

Claims should be filed as soon as possible to allow Adjusters to work on your behalf to get settlement as soon as possible. However, claims for Concealed Damage must be reported no later than 5 (five) days from receipt of the Cargo.

By following the simple claims reporting guide your claim can be paid in as little as thirty days. Remember to fill out ALL of the fields.

Filing online through Cargo Insurance is the quickest way to get a claim adjuster assigned to your claim and is available 24/7 365 days a year. Also, by filing online, it will give you a documented timeline and information of the loss. Don’t worry if there is a conversation necessary, the adjuster will promptly contact you.

No, there are some things that will not be covered such as inadequate or insufficient packaging. To be considered sufficient, packing should be able to withstand frequent handling or jarring and extremes of temperature, humidity and should discourage pilfering. Other notables not covered are: inherent vice, loss of use or market or actions of the shipper. For specific questions, give us a call at (844) 243-8331.

Trailers are considered rolling stock therefore excluded under the policy.

Cargo Insurance is only accepting frozen goods at this point. Frozen is best be described as goods needing to be stored and transported at Zero degrees Fahrenheit or lower. If you have a question please do not hesitate to call us at (844) 243-8331.

  • Enjoy quick and affordable standardized cargo insurance on a per-load basis providing the broadest coverage form for cargo insurance for the freight industry, including: Acts of God, losses out of your control, unattended vehicle, cargo loss resulting from a delay in transit, damage from strikes, riots and civil commotions --with only limited excluded commodities.
  • Remove the requirement and exposure to manage and track the various motor carrier cargo coverage forms.
  • Solidify the relationship between you and your customer.
  • Opportunity to differentiate your business from competitors.
  • Professional and expedited claims process.
  • Coverage territory of the continental U.S. and Canada.
  • Electronically store, manage, and pay for insured shipments online.

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