Motor Truck Cargo coverage

Protecting fleets no matter what the road throws their way.

Overview

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.

Nirvana’s MTC

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.

Optional coverage add-ons

New

Cargo at Terminals

New

Trailer Interchange

Refrigeration Breakdown

(including human error)

Consolidate

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.

Protect your cargo

Request a quote for Motor Truck Cargo coverage today