Motor Truck Cargo
Inland marine protection for freight loaded on your trucks. Covers loss or damage to goods in transit from theft, accident, fire, and other covered perils — keeping your operations and client relationships protected.
Protecting freight in transit is one of the most critical — and often underinsured — risks in trucking. Soma connects owner-operators, regional fleets, and long-haul carriers with top-rated motor truck cargo insurance carriers like Chubb, Progressive, and Ascend. Get specialized inland marine protection for loaded freight, fast quotes, and seamless DOT compliance through a single application.
Comprehensive cargo and trucking insurance solutions for owner-operators, fleets, and specialty haulers across every commodity type.
Inland marine protection for freight loaded on your trucks. Covers loss or damage to goods in transit from theft, accident, fire, and other covered perils — keeping your operations and client relationships protected.
Consolidated fleet vehicle coverage under a single commercial auto policy. Soma places commercial auto for owner-operators and multi-truck fleets, including hard-to-insure businesses with violations or new authority.
Coverage for non-owned trailers in your possession under a trailer interchange agreement. Protects physical damage liability when hauling trailers belonging to other carriers or brokers.
Comprehensive and collision protection for your trucks and equipment. Guards your vehicles against accident damage, vandalism, weather events, and theft — essential for protecting your biggest capital assets.
Third-party liability protection covering bodily injury and property damage claims arising from driver-at-fault accidents. Satisfies MCS-90 and FMCSA minimum filing requirements for interstate operations.
Soma's Risk Management Team analyzes your trucking operation and structures the right coverage at the right price. Handles DOT and FMCSA filings seamlessly so you can focus on hauling.
Motor truck cargo insurance isn't one-size-fits-all — commodity type, route length, and cargo value all determine the right program. Soma works with top-rated carriers including Chubb, Progressive, Kemper, and Ascend to place inland marine cargo coverage for general freight, refrigerated loads, specialty commodities, and hazmat haulers. Whether you're a single owner-operator or managing a regional fleet, we structure policies that close coverage gaps, satisfy shipper and broker requirements, and bind fast — often the same day.
See how Soma has helped trucking businesses secure the right cargo coverage — fast, affordably, and without the runaround.
Soma replaces the slow, frustrating insurance brokerage experience with speed, expertise, and access to markets built for trucking.
Direct access to Chubb, Progressive, Kemper, and Ascend — top-rated carriers with deep appetite for trucking and cargo risks.
We insure new authority, drivers with violations, specialty commodities, and hazmat haulers that standard brokers routinely decline.
Get cargo, auto, liability, and physical damage quotes across multiple carriers with a single fast application — no chasing or waiting weeks.
Soma handles all DOT and FMCSA filing requirements seamlessly, keeping your authority compliant and your operation moving.
Experienced specialists who understand trucking risks inside and out.
Soma was built to solve a problem every trucking business knows well: slow brokers, confusing coverage, and carriers that won't write the risk. We've processed thousands of commercial businesses — from single owner-operators hauling across state lines to multi-truck regional fleets managing complex commodity loads. Our Risk Management Team brings deep expertise in trucking verticals, working with top-rated carriers like Chubb, Progressive, Kemper, and Ascend to deliver the right coverage at the right price, fast. We handle every DOT and FMCSA filing requirement so you can stay focused on keeping your trucks moving and your clients' freight protected.
Motor truck cargo insurance covers physical loss or damage to freight while it is being transported in your truck. This includes coverage for theft, fire, collision damage, and certain weather-related perils. It protects the goods your customers entrust to you — covering the actual cash value or replacement cost of the cargo up to your policy limit, depending on the terms of your specific policy.
Talk to a Soma trucking insurance specialist for a free, no-obligation consultation.
Authorized to place cargo and trucking risks with Chubb, a top-rated global insurer.
Authorized broker for Progressive commercial trucking programs nationwide.
Handles all DOT and FMCSA filings for compliant trucking authority.
Fill out one short application and Soma's trucking insurance specialists will match you with the right cargo coverage from top-rated carriers — fast, affordable, and tailored to your freight operation.