Motor Cargo

Cargo & Equipment

Your customers entrust you to take great care transporting their goods across many miles. They also trust you to carry proper insurance coverage in case an accident happens and those goods are damaged. V.I.V. can help you find the unique insurance coverage you need to drive with confidence a for a rate that can fit your budget. Flatbed trucks and Reefer Trucks are the most common type of cargo hauling trucks we provide insurance for. 

Even if your cargo is safely secured, accidents can happen that can put others at risk. Whether owned or non-owned, the load you’re carrying can be a risk to you and others around. 

 Physical damage insurance covers any physical damage done to other vehicles or things that are directly related to the cargo.

Liability Insurance provides coverage for potential medical bills that are a result of an injury caused by the cargo you carry.

Pollution Insurance covers you against the potential liability your cargo many have in regards to pollution and contamination of the environment as well as harming those that it may come in contact with.

Equipment Owned Insurance

Physical damage (usually they need this when they finance the equipment and the loan requires it)

Contractors Equipment and Tools covers contractors equipment (POWER DRIVEN) and tools against direct physical damage.           

Rental Reimbursement and Extra Expense for Contractors Equipment covers necessary expenses for rental or temporary replacement of contractors equipment and other additional costs that arise due to direct loss to covered equipment. 

Electronic Data Processing Equipment covers direct damage to unscheduled electronic data processing equipment and laptops.  Coverage is included for media, air conditioning equipment and extra expense due to a covered cause of loss.                                

Building Materials and Installation Property covers building materials and installation property in transit, in temporary storage, when it has been specifically allocated and waiting for delivery to job sites where work is in progress or will start within 30 days, after arrival at the premises of installation, while waiting for and during installation, and until it is completely installed and accepted by the purchaser or until your interest in it ceases, whichever comes first.(Permanently installed)

 Let one of our Trucking Insurance or Small Business Insurance specialists find the right coverage for you today. . Contact us to find out more about truck and trucking insurance in Fort Walton Beach, Crestview, Baker, Defuniak Springs, Holt, Milton, or Pace.