Start with how the operation runs
Cargo-theft planning should address commodities, values, routes, pickup authentication, double-brokering controls, seals, tracking, unattended vehicles, parking, team communication, and incident response.
Coverage areas to review
- Commercial auto liability and physical damage based on the vehicles and operation
- Motor truck cargo or transported-property protection based on commodities and custody
- General liability and other operational protection where applicable
- Workers' compensation, occupational accident, or umbrella protection as appropriate
Information to prepare
- Commodities, maximum values, routes, customers, brokers, and hotspots
- Pickup verification, identity, seal, tracking, and communication procedures
- Parking policy, locks, alarms, cameras, geofencing, and response plans
- Theft losses, recovery experience, contracts, and cargo policy terms
Questions to answer before quoting
- How does the business control fraudulent pickup, identity theft, double brokering, and fictitious carriers?
- How does the business control unsecured parking, unattended freight, broken seals, and route deviation?
- How does the business control high-value commodities, weak tracking, delayed escalation, and poor documentation?
Frequently asked questions
Why should cargo theft prevention for trucking be described separately?
Cargo-theft planning should address commodities, values, routes, pickup authentication, double-brokering controls, seals, tracking, unattended vehicles, parking, team communication, and incident response. These details can affect classification, eligibility, filings, limits, exclusions, pricing, and available insurance options.
Can every cargo theft prevention for trucking operation use the same insurance program?
No. Authority, vehicles, drivers, commodities, radius, contracts, safety practices, loss history, state requirements, and requested coverage affect the available terms.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.