Protect your freight with motor truck cargo insurance from Checkers in San Bernardino. Coverage and limits are tailored to your commodity type and load value — whether you're hauling dry goods, refrigerated products, auto parts, or hazmat. We shop across 50+ carriers to find the most competitive cargo rates in the market.
Coverage tailored for owner-operators through large fleets. Hard-to-place accounts welcome.
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We shop across dozens of carriers for the most competitive rates — even for hard-to-place risks.
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Yes — while cargo insurance is not legally required in California, most freight brokers and shippers require motor truck cargo limits of at least $100,000 to dispatch loads. Operating out of San Bernardino without cargo coverage means you will be turned down by most brokers and lose load board access.
Motor truck cargo insurance in San Bernardino typically costs $2,000 to $4,500 per year for a $100,000 limit, depending on the cargo type and loss history. Reefer cargo costs more due to breakdown exposure. High-value commodities like electronics or pharmaceuticals require higher limits and cost more.
Motor truck cargo insurance covers physical loss or damage to freight being transported. Standard policies cover fire, theft, collision, overturn, and debris removal. Refrigerated cargo coverage includes reefer breakdown. Most policies exclude unattended vehicles, so proper security protocols matter for truckers operating from San Bernardino.
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