Hired Auto Cargo coverage:

This coverage extends cargo protection to loads for which you are responsible under a bill of lading. Here are some examples of situations in need of this endorsement to broaden a scheduled vehicle policy:

  • You borrow or rent an additional unit;

  • You ask another truck professional who has limited, if any, cargo insurance to haul a portion of your goods; or

  • You allow another motor carrier to “trip lease” to haul freight under your authority.


This coverage extends the cargo protection to cover losses due to the dishonesty of an employee or an owner-operator driver while the property is in/on a truck or trailer.

This summary is intended for informational purposes only and does not replace or modify the definitions or information contained in any insurance policy or declaration page, which controls all coverage determinations. Terms and conditions may vary by state, and exclusions may apply.