Motor Truck Cargo coverage
Protecting fleets no matter what the road throws their way.
Cargo coverage that keeps your business moving
Every load you haul represents a promise to your customers and a risk to your operations. Whether it’s agricultural goods, produce, machinery, or anything in between, damage or loss in transit can lead to major delays, unhappy clients, and unexpected losses to your business. It’s not just a box to check. It’s the difference between a bad day and a major setback.
Cargo risk is rising. Coverage is critical to your business
Motor Truck Cargo (MTC) coverage protects the value of the cargo you haul from theft, fire, spoilage, or collision. It protects cargo when it is loaded or unloaded, and while it’s at a terminal waiting to be received, giving fleet managers peace of mind that their cargo is covered.
Our cargo coverage
Broad Coverage
Our coverage protects the fleet's day-to-day operation with fewer exclusions and additional protection options.
Competitive Rates
Our pricing adjusts to each fleet’s unique operation: delivering fair, personalized coverage aligned to the fleet’s actual risk.
Streamlined Servicing
One point of contact for billing, claims, policy updates, and customer support when you need it.
We’ve got you covered from dock to drop-off
Nirvana covers more to keep your fleet rolling
Earned freight charges
Reimburses the income you lose when a load can’t be delivered due to a covered cargo loss — helping protect your bottom line.
Loss Mitigation Expenses
Covers reasonable costs you incur to prevent further loss or damage to cargo after an incident — like unloading or transferring goods to another trailer.
Removal Expenses
Pays for the cost to remove damaged cargo from the roadway or vehicle after a covered loss — helping get your trucks moving again quickly.
Pollutant Cleanup & Removal
We cover the cost to clean up pollutants from land or water if they’re released due to a covered loss — helping you recover faster and avoid costly environmental surprises.
Miscellaneous equipment
Protects items like tarps, binders, straps, and load bars if they’re damaged or lost during a covered cargo event.
Mold, fungus, or bacteria
Provides limited coverage if cargo is damaged by mold, fungus, or bacterial contamination as a result of a covered loss.
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Optional coverage add-ons
Cargo at Terminals
Trailer Interchange
Refrigeration Breakdown
(including human error)
Get all your trucking coverage under one roof
Unlock added benefits by having all your trucking coverages with Nirvana.
- Faster claim resolution powered by in-house cargo experts, AI, and telematics
- Lower out-of-pocket costs for fleets with combined APD & MTC deductibles
- Simplified policy management through unified billing, endorsements, and customer support
- Faster servicing with one point of contact
One carrier. One quote.
One seamless experience for both agent and fleet.
