Do motor truck cargo policies provide coverage when trucks are parked?
Whether motor truck cargo policies extend their protections to when parked depends on the specifics of the policy and the parking context.
Generally, policies continue to cover the load when drivers park en route to their destination. For example, coverage while at fuel stations, at rest areas, or for overnight stays is included in the vast majority of policies.
Coverage during loading or unloading is less uniform, and varies from policy to policy. Some policies might not cover loads during this period. Others may cover cargo at loading/unloading docks for a specified duration, perhaps up to 48 or 72 hours.
An insurance agent who’s knowledgeable in motor truck cargo can help freight transporters find a policy that provides coverage for when they need it.
What types of cargo do motor truck policies cover?
Motor truck cargo policies are able to cover a wide variety of cargo types, usually including raw materials, specialty parts, equipment, consumer goods and more.
Securing coverage for certain types of cargo, like art, collectibles, live animals, weapons, radioactive material, or other high-value items, may require working with a specialized insurance agent. Coverage is still probably available, though.