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Trucking Coverage · Per-Load Cargo

Per-Shipment Cargo Insurance

Need more cargo coverage for one load? Per-shipment cargo (PSC), also called per-load cargo insurance, adds coverage for a single high-value load above your motor truck cargo limit. You pay per shipment, not for a new policy. MIG offers it through Loadsure for MIG clients and non-clients alike.

Request Per-Shipment Access
Talk to a MIG Producer

Free to set up, no obligation. You only pay for the shipments you choose to cover.

Per LoadPay only for the shipments that need it
No New PolicyNot an annual cargo policy
Your Own LoginQuote loads and get certificates anytime
Open to AllMIG clients and non-clients
The Basics

What Is Per-Shipment Cargo Insurance?

Per-shipment cargo (PSC) is cargo insurance you buy for a single load. It adds coverage above your motor truck cargo limit for that shipment, so you can take a higher-value load without raising your limit for the whole year. You pay per shipment, and it works alongside the cargo policy you already have.

Your motor truck cargo policy still covers your everyday loads. Per-shipment cargo is for the loads that need more: a broker asking for $250,000 when you carry $100,000, a one-time high-value shipment, or a shipper with higher requirements.

Also called

Truckers and brokers search for this coverage under a lot of names. They all describe buying cargo coverage for one load:

Per-load cargo insuranceSingle-shipment cargo coverageExcess cargo for one loadHigh-value load insuranceSpot cargo insuranceOn-demand cargo insurancePer-trip cargo coverageLoad-specific cargo limit
Common Situations

When You Need Per-Shipment Cargo

The broker requires a higher limit

A load board posting or broker asks for $250,000 or more in cargo, and your policy carries $100,000.

A one-time high-value load

You’re offered a load worth more than your limit and don’t want to raise your limit for the whole year.

A shipper with higher requirements

A shipper you haul for regularly requires more cargo coverage than your policy carries.

A new lane or route

You’re running a route with higher-value freight than you usually haul.

Seasonal freight

Certain times of year bring higher-value loads you only haul occasionally.

Not a MIG client yet

You don’t need to move your policies. Per-shipment cargo is available to non-clients too.

Request Per-Shipment Access
Talk to a MIG Producer
Step by Step

How Per-Shipment Cargo Works Through MIG

Request accessSubmit the form below with your DOT number, limits and the kind of freight you haul.
Get your loginMIG's Operations team works with you to set up your per-shipment cargo login.
Quote the loadQuote coverage for a load before it ships, and buy it only if you want it.
Send the certificatePair the per-shipment certificate with your regular COI showing your auto liability and cargo.

Buy coverage before the load ships. Coverage generally applies once the goods leave their shipping point and while in transit to the final destination on the bill of lading.

Once You're Set Up

What You Can Do in Your Login

Your login is available anytime, so you can cover a load when it’s offered instead of waiting on a callback.

  • Quote individual loads. Get pricing for a specific shipment before you accept it.
  • Quote by route. Price coverage for lanes you run.
  • Quote for a specific shipper. Set up coverage tied to a shipper you haul for regularly.
  • Access certificates anytime. Download per-shipment certificates to send with your main COI.
  • Pay per shipment. No new annual policy. You pay for the loads you choose to cover.
Request Per-Shipment Access
Which Makes Sense?

Per-Shipment Cargo vs. Raising Your Cargo Limit

Per-Shipment CargoRaising Your MTC Limit
Best forOccasional high-value loadsHauling higher-value freight regularly
How you payPer shipment you choose to coverAdded premium on your annual policy
Applies toThe specific load, route or shipper you quoteEvery load your policy covers
Changes your policy?No. It works alongside your existing cargo policyYes. It's an endorsement to your policy
CertificatesPer-shipment certificate from your login, sent with your main COIUpdated COI from your agency

Hauling higher-value freight every week? Raising your motor truck cargo limit may cost less over time. A MIG Producer can help you compare.

Get Set Up

Request Per-Shipment Cargo Access

Open to MIG clients and carriers who aren’t MIG clients yet. Tell us about your operation and the load, and MIG’s Operations team will help set up your per-shipment cargo login.

  • Free to set up. You only pay for shipments you choose to cover.
  • Have ready: your DOT number, current cargo limit and the limit the broker requires.
  • Need full coverage too? Get a free quote on your whole trucking program.

Submitting this form doesn’t bind coverage. Our Operations team reviews requests Mon–Fri, 8 AM–5 PM ET.

Per-Shipment Cargo Request

Read the Fine Print

Before You Buy Per-Shipment Cargo

Buy before it ships

Coverage needs to be in place before the load leaves its shipping point.

Keep your primary cargo policy

Per-shipment cargo works alongside your motor truck cargo policy. It doesn’t replace it.

Commodity exclusions

Some commodities are commonly excluded, such as cash, pharmaceuticals, luxury goods, mobile phones, live animals, explosives, firearms and used household goods.

Coverage follows the paperwork

Coverage generally applies in transit from the shipping point to the final destination on the bill of lading or shipping documents.

Terms come with the quote

Limits, deductible and conditions are shown on your quote and certificate. Those documents control.

Report claims promptly

Report any loss right away using the instructions on your coverage documents. Claims help

Related Coverages

Build Out Your Cargo Coverage

Motor Truck Cargo

Your everyday cargo policy and scheduled commodities.

Auto Liability

The $1M most brokers require.

Amazon Relay Insurance

Every Relay requirement in one place.

Request a COI

Certificates for your main policies.
FAQ

Per-Shipment Cargo Questions

What is per-shipment cargo insurance?
Per-shipment cargo (PSC), also called per-load cargo insurance, adds cargo coverage for a single load, usually one worth more than your motor truck cargo limit. You pay for each shipment you cover, not for a new annual policy. Compare with motor truck cargo.
My broker requires more cargo coverage than I have. What can I do?
If a load requires a higher cargo limit than your policy carries, for example $250,000 when you carry $100,000, per-shipment cargo can add coverage for that load. Request access through MIG so you can quote it before the load ships.
Can I buy cargo insurance for just one load?
Yes. That's what per-shipment cargo is for. Once your login is set up, you can quote and buy coverage for individual loads as they come up.
Is per-shipment cargo a new insurance policy?
No. It isn't a new annual policy. Coverage is purchased and paid for per shipment, alongside the motor truck cargo policy you already carry.
Do I have to be a MIG client to get per-shipment cargo?
No. Per-shipment cargo is available to MIG clients and carriers who aren't MIG clients yet. Submit the request form and MIG's Operations team will help set up your login.
How do I get a certificate for a per-shipment load?
After you buy coverage for a load in your login, you can access its certificate there. Send it along with your regular certificate of insurance showing your auto liability and motor truck cargo.
When does per-shipment cargo coverage start and end?
Coverage generally applies once the insured goods leave their shipping point and while in transit to their final destination as shown on the bill of lading or shipping documents. Buy coverage before the load ships.
What commodities are excluded from per-shipment cargo?
Exclusions vary, and some commodities are commonly excluded, such as cash and financial instruments, pharmaceuticals, luxury goods, mobile phones, live animals, explosives, firearms and used household goods. Your quote and coverage documents show what's covered.
Can I quote coverage by route or for one shipper?
Yes. In your login you can quote individual loads, specific routes, or coverage tied to a shipper you haul for regularly, all paid per shipment.
Is the setup free?
Yes. Requesting access is free and there's no obligation. You only pay for the shipments you choose to cover.

Cover Your Next High-Value Load

Request per-shipment cargo access, or talk to a MIG Producer Mon–Fri, 8 AM–5 PM ET. We’re happy to help.

Request Per-Shipment Access
Talk to a MIG Producer

This page is general information about per-shipment cargo coverage and is not a statement of coverage. Per-shipment cargo is provided through Loadsure and its insurance partners; coverage, limits, deductibles, eligibility, exclusions and pricing are determined at quote and shown on your coverage documents, which control. Marquee Insurance Group is an independent insurance agency and does not issue policies, make underwriting decisions or decide claims. Loadsure is a trademark of its respective owner.