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Excess Cargo Insurance Program from J.M. Wilson When standard markets are unable or unwilling to offer higher cargo limits, J.M. Wilson provides a reliable solution with our Excess Cargo Insurance program. Designed for transportation risks requiring additional protection beyond what is offered in a standard cargo policy, this coverage helps agents meet the needs of clients with high-value cargo exposures. Ideal Accounts and Appetite This program is ideal for trucking operations and freight carriers who already have a primary cargo policy in place but need to increase their coverage limits to satisfy shipper contracts or internal risk management requirements. You might have a client hauling electronics, pharmaceuticals, or other high-value goods that exceed standard policy limits — that’s where our Excess Cargo Insurance can step in. Coverage Highlights and Advantages Provides higher cargo limits in excess of the insured’s primary policy Follows the form of the underlying cargo policy for seamless coverage alignment Backed by an 'A' rated carrier for financial strength and reliability Competitively priced to help your clients manage costs while increasing protection Underwriting Notes To be eligible for this Excess Cargo Insurance, insureds must already carry a primary cargo policy through a standard market. The excess coverage is designed to layer on top of that policy. J.M. Wilson works with a wide range of admitted and non-admitted carriers to help you find the right fit based on the specific risk profile of your client. Territories and Availability Our Excess Cargo Insurance program is available in the following states: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. J.M. Wilson’s regional expertise allows us to respond quickly to market needs across the Midwest and Southeast. Why Work With J.M. Wilson? J.M. Wilson is a trusted Managing General Agency and Excess & Surplus Lines Broker with decades of experience helping independent agents access specialty markets. We represent a variety of carriers, both admitted and non-admitted, and our team is committed to responsive service and knowledgeable underwriting support. Whether your client is expanding operations or facing new contractual requirements, we can help you place the excess cargo coverage they need. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that already have a primary motor truck cargo policy but need higher cargo limits due to shipper requirements or high-value loads are ideal. Examples include electronics haulers, pharmaceutical transporters, and specialty freight carriers. Does the insured need to have a primary cargo policy in place?Yes, this is an excess policy that requires the insured to carry a primary cargo policy through a standard carrier. Is the coverage admitted or non-admitted?This program is written through non-admitted carriers. J.M. Wilson works with both admitted and non-admitted markets to find the best fit for each risk. What states is the program available in?The program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI. What are the key advantages of this program?It offers higher cargo limits, follows the form of the underlying policy, is competitively priced, and is backed by an 'A' rated carrier for financial strength. Need help placing an account? Connect with a market specialist.

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...ng Plants Municipalities Petroleum & Motor Fuel Distribution S...

...s seeking a dedicated market for petroleum and fuel storage exposures. Overvi...ypical fits include fuel retailers, petroleum distributors, commercial facilit...

...d Appetite For-hire petroleum transportation operations O...ul bulk liquids or dry commodities, petroleum haulers, food-grade bulk carrier...

...state-of-the-art Service Center, Marketing Department, and IT Department. We h...

...res entering the cargo transport industry Owner-operators and small to lar...uck Cargo Insurance programs in the industry. Our markets can accommodate both...

...l Facilities Petroleum & Petrochemical Plants ...

...rong in serving the Wood Hauling industry, including operations involved in tr...