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Motor Truck Cargo Liability coverage your trucking
company can depend on
Every day,
more consumer and industrial goods move across the U.S.
by truck than by any other form of transportation. While
the majority of goods are delivered without incident,
some are damaged or lost along the way. When that
happens, having the right coverage can make the
difference between keeping a customer after a loss, or
losing one to a competitor.
Motor Truck Cargo Liability coverage is
an important risk management tool for independent
truckers as well as trucking fleets. It can help you
survive the consequences of over the road events that
result in damage to or loss of your customers’ goods.
When you purchase Motor Truck Cargo Liability from
PENTECO, you get essential protection designed
specifically for your industry. You also have the
flexibility to customize your limits of liability and
add optional coverage to meet your company’s needs and
exposures.
We
understand your business’ needs.
• Broad coverage without exclusions for:
−Wetness
− Poor or insufficient packing
− Unexplained disappearance
− Shortage found upon taking inventory
• Plain language policy form makes it
easy to understand what’s covered and what’s not
• Optional coverage for:
− Mechanical Breakdown of refrigeration
or heating units
−Contingent Coverage
− Cargo Recovery Expense
− Shipper’s Control of Undamaged Goods
Marine
Specialists
• Marine Specialists who work with your
agent or broker to help them properly protect your
business.
• Motor Truck Cargo Liability claim
specialists to handle your claim quickly and efficiently
and get you back on the road as soon as possible.
General
Liability coverage
The
Hartford can offer general liability to protect your
business from bodily injury or property damage resulting
from covered causes of loss at your business premises.
General liability limits of $1 million per occurrence;
$2 million aggregate are available.
Substitution of
Vehicles
If your covered vehicle is disabled and
unable to transport goods, coverage is extended to cargo
transported in a temporary replacement vehicle.
Newly Acquired
Vehicles
Your Hartford policy automatically
includes up to $100,000 for a covered loss that occurs
to Covered Property in a newly acquired vehicle for up
to 30 days.
Newly Acquired
Terminals
Coverage is extended to property at a
terminal you acquire after the effective date of this
policy, for the first 30 days after acquisition of the
terminal or until the policy expires.
Reusable
Packing Containers
As a carrier, you may be responsible for
damage not just to the cargo in your care, but also to
the packing containers for the goods. Your Hartford
policy provides up to $5,000 in any one occurrence for
loss to reusable packing containers.
Debris Removal
Expense
Removing and disposing of property after
an accident can be costly, especially when that property
is blocking a highway or road. We provide up to $5,000
for debris removal in any one occurrence when covered
property is damaged by a covered cause of loss.
Pollutant
Cleanup and Removal
Your Hartford policy will pay any
legally imposed expenses you incur, up to $10,000 in any
one occurrence and up to $25,000 per policy period, to
remove or extract pollutants from land or water when
they are released as a result of a covered loss to
covered property.
Earned Freight
Charges
If you are unable to collect earned
freight charges due to a covered loss to Covered
Property, The Hartford’s policy may pay up to $5,000
coverage for uncollectible freight charges.
Loading and
Unloading
The potential for
damage to goods in transit is especially acute during
loading and unloading from vehicles and other
conveyances. The Hartford’s policy extends coverage to
losses resulting from loading or unloading that occurs
within 500 feet from any transporting conveyance.
Optional Mechanical
Breakdown of Refrigeration and Heating Units
Truckers who
carry perishable, temperature sensitive goods are
exposed to more than just the usual over the road
exposures. This optional coverage is designed to protect
your goods in transit from spoilage, freezing or change
in temperature resulting directly from the mechanical
breakdown of refrigeration or heating units on the
vehicle. Limits may be tailored to meet your
specific needs.
Optional
Contingent Coverage
Your company may
not always have your own vehicles standing by to accept
new business. With optional Contingent Coverage from The
Hartford, you can accept new work, subcontract the
carriage, and rest assured that you’ll have coverage for
your own liability, if any, for goods transported by
another carrier under contractual agreement with you.
Optional Cargo
Recovery Extra Expense
Accidents
sometimes result in a loss to a truck or terminal
without damage to the cargo. Some policies don’t cover
the expenses associated with recovering or protecting
the undamaged cargo. The Hartford policy covers your
actual and necessary expenses, up to $25,000, when
undamaged property is salvaged and protected against
loss following an accident to your vehicle or terminal.
Optional Coverage for Shipper’s
Control of Undamaged Goods
This
optional coverage applies to your liability for the loss
of value to undamaged goods when a partial loss occurs
to Covered Property, as a consequence of a written
contract term by a shipper, up to $25,000.
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