Dry van insurance
General freight in an enclosed trailer. The standard broker setup: $1,000,000 auto liability and $100,000 cargo.
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Where dry van claims come from
Theft at stops
Loaded vans parked overnight are the main cargo theft target. Many cargo policies limit theft from an unattended truck.
Shifted or crushed loads
Hard braking and poor load securement damage freight inside the box, and the shipper will claim it.
Dock damage
Backing into a door or a building at a customer site can fall under general liability rather than auto.
Usually on the policy
What underwriters ask
- Commodities you haul most
- Radius and the states you run
- Driver experience and MVRs
- Prior loss runs
Common questions
Is dry van insurance cheaper than reefer or flatbed?
Often, because general freight has fewer exclusions than temperature-controlled or oversized loads. Your driving record, radius, and commodities still drive the price.
What cargo limit do brokers want for dry van?
$100,000 is the common ask. High-value freight such as electronics may need $250,000 or more, and some policies exclude those commodities, so tell us what you haul.