Cargo Insurance in Houston, TX.
Motor truck cargo and inland marine coverage for freight in transit — for owner-operators, fleets, freight brokers, and shippers that need real limits and clean claims history.
Local context
Why Houston operators call us.
Our home base. Houston runs on small businesses, contractors, medical services, and independent trucking — every one of them needs the right policy in place before the first invoice. We've been placing cargo coverage for businesses across Harris County for more than 30 years — the same specialty markets we use for Houston clients, priced against Houston's local exposures.
What it covers
Inside the policy.
- Cargo in transit
- Loading and unloading
- Refrigeration breakdown (endorsed)
- Debris removal and pollution cleanup
- Earned freight
How we write it
Our approach for Houston.
- Limits from $100K to $1M+ per shipment
- Refrigerated / reefer breakdown
- Broker's contingent cargo
- All-risk inland marine forms
- Fast filings for shippers and 3PLs
FAQ
Cargo questions from Houston clients.
What limit do shippers usually require?
$100K is standard for general freight; reefer, electronics, and high-value goods often require $250K or more. Some contracts write specific commodity limits — we match your book.
Is broker's contingent cargo the same as motor truck cargo?
No. Contingent cargo protects the broker when a contracted carrier's cargo policy fails to respond. Motor truck cargo is the carrier's own primary policy.
More Houston coverage
Same coverage, other cities
Get a real quote
Cargo insurance in Houston — done today.
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.