The Hartford

Motor Truck Cargo

About The Hartford

The Hartford's Carrier Logistics Choice provides coverage for cargo within the entire spectrum of your logistics operations - including and beyond road events:

• Motor Carrier
• Freight Forwarder
• Warehouseman
• Incidental Transportation Broker
• Bailee

Broad coverage includes:

• Spoilage due to change in temperature
• Rust/corrosion
• Fictitious pick-up/Voluntary parting
• Employee dishonesty
• Trailer interchange
• Duty to defend
• Waiver of theft deductible for cargo equipped with location tracking device

Coverage Highlights

Customized limits of insurance. Our coverage allows you to customize limits for cargo while in transit, while in storage at a warehouse or while at a scheduled or unscheduled terminal location.

Coverage for transportation brokers. Our policy offers optional coverage for exposure when you act as a transportation broker.

Coverage for storage. Our policy offers optional storage coverage for covered property not in “due course of transit.”

Employee and subcontractor dishonesty. Coverage for dishonest acts by employees and subcontractors.

Right and duty to defend. We provide defense costs associated with a loss “outside” of limits.

Selling price option. At your request, we’ll calculate the value of damaged property (which was sold prior to loss) on a selling price basis.

Standard Coverage Highlights

We automatically provide for the following coverages up to the Limit of Insurance shown in the policy:

Loss mitigation expenses. After you sustain a cargo loss, you may incur significant expenses to mitigate that loss such as offering a reward for lost or stolen property or expenses associated with recovering or protecting property.

Debris removal expenses. Costly expenses associated with the removal and disposal of property after a loss.

Pollutant cleanup and removal expenses. Court ordered expenses you incur for pollutant cleanup from land or water.

Earned freight charges. Earned freight charges that are uncollectible due to a covered loss to covered property.

Contract penalties. Liability for contract penalties for delivery delays related to covered loss to covered property.

Trailer interchange. Coverage for liability you assume for cargo and non-owned trailers that you use in the hauling of such cargo.

Optional Coverage

Separate limits for named shippers. This coverage is available by endorsement when a shipper requires you to provide separate limits of insurance under the terms of our policy.

Separate limits for specified trips. Similar to named shippers coverage, we have an endorsement available for when you need to increase or arrange for separate limits for specific hauls.