Cargo Insurance

Comprehensive Cargo Insurance Solutions from Ashley General Agency

Ashley General Agency offers a focused Cargo Insurance program for motor carriers and trucking companies that transport property. Designed for agents placing Texas risks, this program protects against loss or damage to cargo while in transit or under the insured’s care, custody, or control. We provide flexible coverages for small fleets and larger operations and can tailor terms for perishable freight, livestock, and other specialty loads.

Ideal Accounts and Appetite

This program is an excellent market for experienced motor carriers based in Texas. Target risks include:

• Trucking companies transporting general freight
• Refrigerated carriers hauling perishable goods
• Livestock haulers requiring specialized coverage
• Fleet operations with clean loss histories
• New ventures with at least three years’ prior experience in the same line of business and no reported losses

Submissions should show consistent operating practices and sound risk management. Accounts with complex multi-state exposures, significant prior cargo losses, or operations outside Texas are less likely to qualify.

Coverage Highlights and Advantages

This Cargo Insurance program includes core protections and several valuable extensions that address common transit exposures:

• Sue and Labor: Pays reasonable expenses to prevent or reduce further cargo damage after a covered loss.
• Freight Charges: Reimburses lost freight revenue when cargo is not delivered because of a covered loss.
• Debris Removal: Covers expenses to remove cargo debris after an incident.
• Refrigeration Breakdown: Protects against spoilage or damage from mechanical failure of refrigerated units.
• Owners’ Goods: Provides coverage for property owned by the carrier while transported in their own vehicles.
• Livestock: Specialized protection for live animals, including coverage for death or injury in transit.

Underwriting Notes and Minimum Premiums

To submit, provide a completed application and a minimum of three years of loss history. New ventures may be considered only if they have at least three years’ prior experience in the same type of operations and a clean loss record. The program’s minimum premium is $500, which makes it accessible for smaller or emerging trucking operations with strong risk profiles.

Territories and Availability

This Cargo Insurance program is available exclusively in Texas and is placed on a non-admitted basis with top-rated markets, including Essex, Great American, and Underwriters at Lloyd’s. The non-admitted placement allows Ashley General Agency to offer flexibility for unique or hard-to-place risks within the state.

Why Work With Ashley General Agency?

As a Managing General Agency focused on transportation, Ashley General Agency combines responsive underwriting with hands-on service. Agents benefit from our specialization in trucking risks, quick decision-making, and access to strong non-admitted carriers. We work with you to structure terms that meet contractual requirements and operational realities.

Example scenarios where this program fits well:

• A Texas refrigerated carrier hauling regional produce that needs refrigeration breakdown coverage and freight charge protection.
• A small livestock hauler with a clean five-year loss record seeking specialized transit coverage for animal mortality and injury.

If you have a trucking client in Texas—especially one requiring perishable goods coverage or livestock protection—we are a market worth submitting to. To discuss a submission or to get a quote, call us at 936-585-6442.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.