We get you. Life on the road is tough: long hours, day after day, to make your business prosper. Let people that understand you guide you to get the coverage that is right for your business, so you can keep more of your hard-earned money.

cargo liability insurance

General Liability / Cargo


We help you get the peace of mind you need to grow your trucking business, with our insurance policies that cover your trucks and cargo insurance, protect you against general or even environmental liability.

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Sand / Gravel / Debris Removal

Specialty Products

Your trucking business has special needs? We help you get the right policy and save money at the same time. We have special insurance programs to give you peace of mind and help your business grow.

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Drivers with less than 2 YRS CDL

Specialty Products

Need more commercial drivers? We have special programs in case you want to hire new talent. We work with recognized providers to allow to hire new drivers, fill the seats and make your business grow.

Getting affordable insurance coverage should not be a concern. We are here to help.

For more than 20 years we have been assisting drivers to get the insurance coverage they need and only what they need, to avoid paying for any extras. Life on the road is tough enough. Buying insurance should not be. Our experts know your business and are there to help you navigate the process, so you can save time and money.

Your Trusted Source for Comprehensive Trucking Insurance Solutions Southwestern Insurance

Southwestern Insurance, is a trucking insurance agency specializing in commercial truck insurance, cargo insurance, and general liability insurance for truckers and contractors. The team at Southwestern Insurance is one of the best cargo insurance companies offering commercial cargo insurance, cargo liability insurance, and motor truck cargo insurance.

Why pay more? Contact us today for a FREE consultation

Help us help you save time and money by filling this form. An expert will reach out to you to provide you with the best options.

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They trust Southwestern Insurance


The best insurance

The secret to our success? Maintain high standards of customer satisfaction! And we demand exactly the same from our partners. When it comes to insurance, pick a trusted partner like Southwestern Insurance. They have delivered great service levels form the start. That is the key to success.

Rafael Quintero
CEO, CDC Transportation Inc.
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Highly recommended

For 40 years, our customers have trusted us with services that are critical for their business. With that trust, dedication, and lots of hard work, we blossomed into a reputable and always growing business. The same way, we trusted Southwestern Insurance to provide us with the insurance coverage we need, no more, no less. And that has helped us become who we are now.

Maria Rodriguez
General Manager. Catalina Cold Transfer Inc.
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Super reliable

Since our foundation, we’ve had an extraordinary year-over-year growth, and Southwesterns has always been there, making sure that we’re covered, letting us focus on growing our business. I recommend anyone looking forward to growth, to have a partner like Southwestern.

Damian Diaz
CEO, North American Transport, Inc.

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Frequently asked questions

I want to start my trucking business. What kind of Insurance is required?

For trucking and contractors  business auto Liability insurance and Cargo insurance are the most important coverages required to run under your own authority. However, many brokers and shippers may have other requirements in their contracts.

What insurance coverage do I need to get my tags?

You need primary liability insurance coverage. If you are running under your own authority, you should have this coverage in your name. If you are leased to a Motor carrier, then you should have this coverage through them.

What insurance do I need to run under my own authority?

Auto Liability insurance and Cargo insurance are the most important coverages required to run under your own authority. Other coverage’s may be required in your contract(s) with your brokers and shippers

How much insurance do I need?

On one side, the FMCSA only requires $750K primary liability coverage, but most shippers/brokers will require 1,000,000 to assign a load to you. The most common request for Cargo is $100,000 yet the amount may vary based on depend on the cargo that has to be hauled and the shipper you are hauling for

How can I save money on my insurance policy?

The best savings are achieved by only paying for what you need. Two key factors: work with a trusted agent. They can guide you and help you get what you need and not pay for extras you don’t. Then, it’s a matter of doing your due diligence, to operate your business in the best way possible to remain loss free. When talking to your agent, be transparent about your operation and your records. Agents are expert and they can make sure that your premium is adjusted so you pay less, but you still have the coverage you need. Also, consider the service you want to receive. Lower rates provided by big companies might mean your only option is online service and you never talk to an agent. If a company can’t provide good timely service, you may be in trouble when you need help. Also, a lower premium may not be helpful to get loads with good shippers.


What is Bobtail Liability/ Unladen Liability— these terms to apply to liability coverage for an owner/operator while the truck is not being used for the purpose of transporting cargo ( eg: after a load has been delivered and the owner/operator is driving back home). This may happen to owners operating under the authority of a carrier and whose liability policy is effective only while they are engaged in transporting goods for the carrier. Bobtail liability is a business auto policy (BAP). The difference between Primary Liability and secondary is that Primary liability coverage is protection for the public, required by FMCSA to obtain your own authority. Secondary liability coverage is required by motor carriers and only covers the driver and rig while under a permanent signed lease with them. Bobtail applies, as describe before, when driving an empty truck. For more details, talk to an agent.

I haul under my own authority. Do I need bobtail liability?

If the primary auto liability is in your name or that of your corporation and you are the owner of the truck, you would not be required to carry bobtail liability.

What is an admitted carrier? What does that mean?

Admitted carriers are licensed and operate in particular states. Each state Division of Insurance regulates the activities of these carriers in their jurisdiction. Each DOI monitors the finances and market conduct of the admitted carrier companies, and more importantly, all admitted carriers contribute to a state fund – or guaranty fund – which is used to pay claims if any of these licensed insurers were to go insolvent, which is a safety net to make sure that that, ultimately, the insured will get their fair claims paid.

What is HazMat? Do I really need it?

Haz Mat Insurance is a special kind that pays for site clean-up, in-transit accidents, contamination, loading, and unloading incidents, pollution clean-up, personal injury claims, medical payments, personal injury claims, and lost income or downtime should you have an incident when transporting Hazardous Materials. This is optional and it is only required when you engage in the transport of the kind of materials that is considered “hazardous” under state of federal laws. Consult with your insurance agent to verify when is this type of insurance needed.

What Does General Liability Insurance Cover?

General liability insurance mainly covers third-party claims for bodily injury, goods damage, and personal injury. It pays for medical expenses, settlements, and judgments arising from accidents, injuries, or alleged negligence to your business.

Why does your trucking business require motor truck cargo insurance?

Any trucking business responsible for transporting goods should consider motor truck cargo insurance. It ensures financial recovery from potential cargo incidents, maintains client trust, and meets contractual obligations, all while complying with industry regulations.

What types of trucking insurance do you offer?

Southwestern Insurance offers a range of insurance, including Commercial Trucking Insurance, cargo insurance, liability coverage, and more. Our policies can be tailored to your specific needs.