Flatbed insurance
Open-deck freight like steel, lumber, and machinery. Securement and oversize loads shape what cargo policies will cover.
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Where flatbed claims come from
Load securement
Shifted or lost loads cause both cargo claims and serious liability claims if freight falls onto the road.
Weather exposure
Tarps fail. Some cargo policies exclude weather damage to unprotected freight.
Oversize and heavy haul
Permitted loads and machinery can need higher cargo limits and specific endorsements.
Usually on the policy
What underwriters ask
- Commodities and typical load values
- Oversize or permitted loads
- Securement training
- Radius of operation
Common questions
Does cargo insurance cover a load that falls off a flatbed?
It can cover the freight itself, subject to your policy's exclusions. Damage the falling load causes to other people is a liability claim.
Do I need special coverage for heavy machinery?
Often a higher cargo limit, and sometimes a policy that specifically names machinery. Tell us the most valuable piece you haul.