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Motor Truck Cargo


Zurich’s Motor Truck Cargo (MTC) program offers stand-alone MTC coverage to “For Hire” common and contract motor carriers. Coverage insures against the risks of direct physical loss to covered property while in transit, loading or unloading; and while at a terminal or dock awaiting final distribution. The unbundled MTC coverage meets the U.S. DOT MTC requirements for cargo load pick up.


  • Small to medium sized motor carriers with current operating authority, including owner operators
  • Fleet size of 1 to 20 units
  • Limits up to $250,000 per vehicle and $500,000 per occurrence
  • General freight including refrigerated/frozen foods, building supplies, livestock, etc.
  • Minimum 2 years operating authority and drivers 23+ years old with 2 years CDL experience

Ineligible risks:

  • No household goods movers, auto haulers, oversize/overweight, hazardous materials


  • Continental United States, including Hawaii, excluding Alaska & Puerto Rico.

Coverages offered:

  • Motor Truck Cargo Legal Liability

Admitted or non-admitted paper:  

  • Admitted

Additional program highlights:

Additional Coverage options include:

  • Refrigeration Breakdown Coverage
  • Contingent Cargo Coverage
  • Trailer Interchange Coverage