Motor Truck Cargo

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In the Open Market, by far the most common wording used for this class is the enclosed Motor Truck Cargo BRIT Form (USA) (2007/01) N.B. only to be used for BRIT risks (i.e. non Household Good type risks)

For those of you less familiar with this form (as opposed to the older Broad Form 15), we have provided an introduction containing explanatory notes. CLICK HERE.

We do have the ability to write Motor Truck Cargo limits up $2,000,000.

For smaller risks, we can obtain terms with the information requested in the attached Questionnaire, for larger operations the enclosed Proposal Form should be completed.

  • Coverage includes loading and unloading as well as theft.
  • Reefer Breakdown coverage is available provided reefer units are less than 10 years old. Sometimes older units are considered but normally attract higher deductibles.
  • Unattended Truck coverage is normally available up to a limit of $100,000.
  • Trailer Interchange (physical damage coverage on non-owned trailers) can be purchased.
  • Federal (I.C.C.) and State Filings (Forms H & I) can be effected by ourselves with authorisation from Lloyd's Underwriters.

For non Household Goods type risks, filings are actually accomplished by Central Analysis Bureau in New York. Please note that there is a US$65 charge per filing for risks where the premium is less than USD5,000.

For Household Goods type risks, filings are actually accomplished by Dewey & LeBoeuf’s in Washington D.C. Underwriters currently absorb the filing charges for this class.

Whenever filings are required it is usual for Underwriters to seek a financial rating of the Assured. Quotes are given subject to a satisfactory rating. (Our market uses Central Analysis Bureau in New York and they usually report a rating within 24 hours).

Larger risks adjust based on gross receipts. Smaller risks will attract a flat premium.

Where a flat premium applies, coverage is extended only to specified power units. Rather than rating at a percentage on the limit requested, exposure is gauged by looking at the average and maximum values carried and the number and length of trips, as well as the type of cargo etc.

We will require a completed BRIT Combined MTC & APD Proposal Form (2007/01) (Preferably prior to binding), as well as Motor Vehicle Records for each driver that does not comply with the driver criteria – see/read question 12 of the BRIT Proposal Form (2007/01).

We can consider combined MTC & APD risks and the same Proposal Form would be applicable.

We can also consider Household Goods Movers with limits up to $50,000, Underwriter’s may consider $100,000 limits with good information, loss record etc. For these type of risk Underwriters will require the Motor Truck Cargo Proposal Form for use with the Broad Form (15) wording.

We can also consider ocean marine type risks, one off trip transits, excess MTC policies.


NOTE: We have also placed facilities for more 'exotic' coverages such as contingent auto liability, contingent cargo liability, non-trucking liability and freight forwarders contingent coverages, which may be available to you via International Risk Placement Inc. For more information and contact details, please refer to IRPI's website at


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Classes of Business

Click the links below to learn more about our capabilities in respect of individual classes of business and to download application forms and policy wordings.