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High value cargo insurance

A trucker hauling fragile or high-value freight for others should settle four things before loading: the commodity, its declared value, who holds custody, and its condition at pickup. ISO's CA 00 01 11 20 business auto form excludes liability for property damage to property the insured transports. Progressive's Utah-filed cargo endorsement Z434 (02/19) shows what a cargo form tests: it excludes art, jewelry, precious metals, money and prescription pharmaceuticals by name, excludes goods left over 72 hours at any location, pays the least of legal liability, declared value and the cargo limit per occurrence, and prints no lock, alarm or tracking condition.

What is considered high value cargo?

Two terms in Progressive's Z434 (02/19) cargo form decide whether a high value load is insured: the per-occurrence cargo limit and the excluded commodity list. Progressive's cargo endorsement Z434 (02/19), filed for use in Utah December 6, 2019, caps payment in one occurrence at the "Cargo Liability" limit on the declarations page, and its Excluded Properties list opens with "Objects of art, including paintings and statuary; jewelry, precious or semi-precious stones; precious or semi-precious metals or alloys; money and securities of any kind". The same list excludes "Prescription pharmaceuticals, tobacco products, marijuana products, or alcoholic beverages, other than beer or wine" and "Explosives, ammunition, fireworks, or radioactive material."

ISO's business auto form does not insure the load itself. ISO's CA 00 01 11 20 business auto form excludes property damage "involving property owned or transported by the "insured" or in the "insured's" care, custody or control," so freight carried for a shipper needs a cargo form. Z434 is one insurer's filed form; read the excluded property list on the form in your own quote against the commodity.

Sources: 2, 3, 4, 5, 1

Does cargo insurance cover theft of a high value load?

Progressive's Z434 (02/19) cargo form does not exclude theft by outsiders, but it excludes theft by the carrier's own people and loads released by trick or false pretense. Z434 defines a covered peril as "any external risks of direct physical loss to covered property or business equipment, except for those listed in a. through m. below as Excluded Perils," and its specified-peril list names "theft, but excluding pilferage by you or your employees, anyone with a financial interest in the cargo or their employees, authorized representatives or anyone else entrusted with the cargo," adding that theft does not include wrongful conversion. Excluded peril e. removes criminal, fraudulent or dishonest acts by the insured, its people, anyone it entrusts the property to and anyone with an interest in it, and adds "we will not pay for theft by employees." Excluded peril h. removes "Voluntary parting with title to, or possession of, the property due to fraudulent scheme, trick, or false pretense," along with nondelivery, misdelivery, mysterious disappearance, a shortage found on taking inventory, and theft of part of a package's contents.

A parked load is the other theft exposure Z434 limits by time. Excluded property f. removes "Any property in or on an insured auto after it has remained at any location for more than 72 hours. This includes locations you own or use," with an exception for a delay caused by severe weather when transport resumes as soon as the weather emergency ends. Excluded property d. removes "Any property while in the physical custody of any other carrier," so a load handed to a second carrier is outside the first carrier's Z434 cover from the hand-off.

Z434 (02/19) prints no condition about locks, alarms, tracking devices, seals or attended vehicles. Ask the shipper or broker for any security term in writing and read it beside the cargo form on the quote.

Sources: 6, 7, 8, 9, 10, 11, 12

Does cargo insurance cover damage to fragile freight?

Progressive's Z434 (02/19) cargo form does not list breakage as an excluded peril, but it excludes marring, scratching, temperature damage, inherent vice and pre-existing damage. Excluded peril m. says "We will not pay for corrosion, contamination, marring or scratching to any covered property or business equipment unless it results from damage to an insured auto," so a scratched finish on glass, furniture or equipment in a truck that was never hit is outside the base form. Excluded peril j. says "We will not pay for pre-existing damage to any covered property or business equipment," so note the condition of each piece on the bill of lading or in photographs at pickup.

Two more Z434 terms decide a fragile-goods claim. Excluded peril f. removes "Loss of use, loss of market, loss of market value, or delay," and the Sets clause says "The loss to an article that is part of a set will not be considered a loss to the entire set." Progressive's Cargo Plus endorsement A439 (01/25), filed in Utah on February 7, 2025, rewrites three Z434 exclusions when the policy carries it:

Three Z434 (02/19) excluded perils, without and with Cargo Plus A439 (01/25)
Excluded perilZ434 base form excludesWith Cargo Plus A439, still excluded
m. Corrosion, contaminationCorrosion, contamination, marring or scratching, unless an insured auto is damagedContamination only, unless an insured auto is damaged
g. Breakdown, temperatureMechanical or electrical breakdown or failure, including of a refrigeration unit or cargo heating equipment; wetness, humidity, dampness, dryness or temperature change unless an insured auto is damagedMechanical or electrical breakdown or failure, including of a refrigeration unit or cargo heating equipment; temperature change unless an insured auto is damaged
d. Inherent viceDeterioration, wear and tear, obsolescence, latent defect, gradual decay, fungus, mildew, mold, rot, rust, insects, vermin, change in flavorDeterioration, wear and tear, latent defect, gradual decay

Sources: 13, 14, 15, 16, 17, 18, 21, 22, 23

What handling and security terms should a shipper put in writing before a high value load?

Before a high value load, get the shipper's or broker's cargo terms in writing: the limit, the commodity, the declared value and any security or handling condition. J.B. Hunt's carrier requirements page, read on October 12, 2026, says "Specific J.B. Hunt business units and/or load types (such as specialized or high-value brokered loads) may have additional requirements including supplemental insurance, equipment, experience or training." Redoubt asks for the same request in writing: "the limit, per load or per occurrence, the commodities, and any reefer or theft conditions."

  • The commodity, named the way the bill of lading names it, read against the cargo form's excluded property list
  • The declared value on the bill of lading or rate confirmation, read against the cargo limit
  • Every planned stop and overnight park, and any hold of more than 72 hours at a yard, a receiver or a terminal
  • Whether the load changes trucks or carriers before delivery
  • Each security or handling condition the contract states, word for word, and what the contract says happens if one is missed
  • Who records the condition of each piece at pickup, and on which document

Sources: 26, 29, 11, 12

How is a high value load valued in a cargo claim?

Progressive's Z434 (02/19) pays a cargo claim at the lowest of several figures, so a low declared value or cargo limit caps what a high value load recovers. Z434's Limits of Liability say "we will pay the least of the following: (i) Your legal liability for the direct physical loss to the covered property; (ii) The declared value of the covered property shown in the bill of lading, tariff documents, rate confirmation sheet, shipping receipt, or contract of carriage," followed by the shipper's actual cost to repair or replace and the "Cargo" limit on the declarations page.

Z434's cargo limit applies per occurrence, whatever the number of trucks or trailers involved. The form says "Regardless of the number of insured autos or trailers involved," the cap on loss to covered property in any one occurrence is the declarations limit. Set the limit on the highest-value single occurrence, not the average load.

49 U.S.C. 14706(c)(1)(A) lets an interstate carrier, otherwise liable for "the actual loss or injury to the property" under 14706(a)(1), set rates under which liability "is limited to a value established by written or electronic declaration of the shipper or by written agreement between the carrier and shipper if that value would be reasonable under the circumstances," for property other than household goods.

Sources: 19, 20, 2, 24, 25

What do you send for a high value cargo quote, and what happens next?

Redoubt quotes high value and fragile freight from one list: what is hauled, what one load is worth, how long loads sit, and the shipper's written terms. Text Redoubt the list below and we will talk it through: what can be bound now, what needs the carrier, and what to send back.

  • Exactly what is hauled, commodity by commodity, as the bill of lading names it
  • The highest value on one load
  • Whether goods ever stay on a truck or trailer for more than 72 hours, at a stop, a receiver or your own yard
  • The shipper's or broker's cargo requirements in writing: limit, commodities, and any security or handling terms
  • USDOT number, and MC or docket number if any, with the vehicle and driver counts on FMCSA's SAFER record matching this list
  • Each vehicle and trailer: year, make, model, body type and value
  • Every driver: name, date of birth, license number and class
  • The date coverage has to start, and the current declarations page if a cargo policy is in force

Sources: 30, 29

Frequently asked questions

Is refrigeration breakdown covered on a high value perishable load?

Not on Progressive's Z434 (02/19) alone: excluded peril g. removes breakdown of "a refrigeration unit or its associate component parts." Progressive's A439 (01/25) refers to a separate Refrigeration Breakdown Coverage Endorsement, "if included in your policy."

Can a contract limit a carrier's liability on a load that stays inside Utah?

Only through a written declared value. Utah Code 72-9-401(1)(b) says a contract, receipt, rule or other limitation "may not exempt the motor carrier from this liability," but 72-9-401(3)(b) and (c) allow rates dependent on a value "declared in writing by the shipper or agreed to in writing as the released value of the property" where authorized by order of the commission, and limit recovery to that value.

Sources

Where these answers come from

Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.

  1. 1. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II B.6, Care, Custody Or Control exclusion
    “"Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement.”
    assets.touchpointmarkets.com, accessed October 12, 2026. A carrier's policy may carry a later edition or its own form.
  2. 2. Progressive Form Z434 (02/19), Motor Truck Cargo Legal Liability Coverage Endorsement, Limits of Liability 1.b., Utah SERFF
    “Regardless of the number of insured autos or trailers involved, insureds, premiums paid, policies issued by us, claims made, or lawsuits brought, the most we will pay for loss to covered property in any one occurrence is the limit of liability shown on the declarations page for “Cargo Liability” coverage.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The form prints no per-load or per-vehicle limit.
  3. 3. Progressive Form Z434 (02/19), Excluded Properties a., Art, Jewelry, Metals, Money, Papers, Utah SERFF
    “Objects of art, including paintings and statuary; jewelry, precious or semi-precious stones; precious or semi-precious metals or alloys; money and securities of any kind,”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The item continues with C.O.D. monies, food stamps, lottery tickets, money orders, evidences of debt and valuable papers.
  4. 4. Progressive Form Z434 (02/19), Excluded Properties i., Pharmaceuticals, Tobacco, Marijuana Products, Alcohol, Utah SERFF
    “Prescription pharmaceuticals, tobacco products, marijuana products, or alcoholic beverages, other than beer or wine.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  5. 5. Progressive Form Z434 (02/19), Excluded Properties h., Explosive or Radioactive Material, Utah SERFF
    “Explosives, ammunition, fireworks, or radioactive material.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  6. 6. Progressive Form Z434 (02/19), Additional Definitions 2., covered peril, Utah SERFF
    ““Covered peril” means any external risks of direct physical loss to covered property or business equipment, except for those listed in a. through m. below as Excluded Perils.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. Theft is named in specified peril 10.h. (source z434-theft-peril).
  7. 7. Progressive Form Z434 (02/19), Additional Definitions 10.h., specified peril theft, Utah SERFF
    “theft, but excluding pilferage by you or your employees, anyone with a financial interest in the cargo or their employees, authorized representatives or anyone else entrusted with the cargo. Theft does not include loss caused by or resulting from: (i) wrongful conversion;”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. Item (ii) adds acceptance of counterfeit money, fraudulent money orders, or checks or notes not paid on presentation.
  8. 8. Progressive Form Z434 (02/19), Excluded Perils e., Criminal, Fraudulent, or Dishonest Acts, Utah SERFF
    “Criminal, fraudulent, dishonest, or illegal acts alone or in collusion with another, whether or not such acts occurred during regular hours of employment, by:”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The list that follows: (i) you; (ii) your partners, officers, directors, trustees, or joint ventures; (iii) others to whom the property is entrusted; (iv) others who have an interest in the property; (v) the employees or agents of any of them.
  9. 9. Progressive Form Z434 (02/19), Excluded Perils e., employee theft, Utah SERFF
    “This Excluded Peril does not apply to acts of destruction by your employees, but we will not pay for theft by employees.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  10. 10. Progressive Form Z434 (02/19), Excluded Perils h., Voluntary Parting, Nondelivery, Mysterious Disappearance, Utah SERFF
    “(i) Voluntary parting with title to, or possession of, the property due to fraudulent scheme, trick, or false pretense; (ii) Nondelivery or misdelivery; or (iii) Mysterious or unexplained disappearance; shortage of any property upon taking inventory; or theft of a part of the contents of any shipping package.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  11. 11. Progressive Form Z434 (02/19), Excluded Properties f., Storage, Utah SERFF
    “Any property in or on an insured auto after it has remained at any location for more than 72 hours. This includes locations you own or use.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The item continues: "This exclusion does not apply to delays in transportation outside of your control due to severe weather, as long as transport resumes as soon as the weather emergency has ended."
  12. 12. Progressive Form Z434 (02/19), Excluded Properties d., Other Carrier, Utah SERFF
    “Any property while in the physical custody of any other carrier.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The insuring agreement also requires the goods to be in the insured's "exclusive physical custody and control" at the time of loss.
  13. 13. Progressive Form Z434 (02/19), Excluded Perils m., Corrosion, Contamination, Utah SERFF
    “We will not pay for corrosion, contamination, marring or scratching to any covered property or business equipment unless it results from damage to an insured auto.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  14. 14. Progressive Form Z434 (02/19), Excluded Perils j., Pre-existing Damage, Utah SERFF
    “We will not pay for pre-existing damage to any covered property or business equipment.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  15. 15. Progressive Form Z434 (02/19), Excluded Perils g., Wetness, Breakdown, Temperature, Humidity, Utah SERFF
    “(i) Mechanical or electrical breakdown or failure including breakdown or failure of a refrigeration unit or its associate component parts, or heating equipment installed in a cargo component; or (ii) Wetness, humidity, dampness, dryness, or changes in or extremes of temperature unless it results from damage to an insured auto.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. A fire or explosion covered under the endorsement is carved back.
  16. 16. Progressive Form Z434 (02/19), Excluded Perils d., Inherent Vice, Utah SERFF
    “Deterioration; wear and tear; obsolescence; hidden or latent defect; gradual decay; fungus; mildew; mold; rot; rust; insects; vermin; change in flavor;”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The item continues: "or any quality, fault, or weakness in the covered property or business equipment that causes it to damage or destroy itself."
  17. 17. Progressive Form Z434 (02/19), Excluded Perils f., Consequential Loss, Utah SERFF
    “Loss of use, loss of market, loss of market value, or delay; or any other remote or consequential loss, other than direct physical loss, to covered property or business equipment.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says.
  18. 18. Progressive Form Z434 (02/19), Limits of Liability 4.a., Sets, Utah SERFF
    “The loss to an article that is part of a set will not be considered a loss to the entire set.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. The insurer may repair or replace the part, or pay the difference in the set's value before and after the loss.
  19. 19. Progressive Form Z434 (02/19), Limits of Liability 1.a., Amount of Payment, Utah SERFF
    “in the event of a loss to covered property, we will pay the least of the following: (i) Your legal liability for the direct physical loss to the covered property; (ii) The declared value of the covered property shown in the bill of lading, tariff documents, rate confirmation sheet, shipping receipt, or contract of carriage;”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. Item (iii) is not quoted here; items (iv) and (v) follow in the next source.
  20. 20. Progressive Form Z434 (02/19), Limits of Liability 1.a.(iv) and (v), Utah SERFF
    “(iv) The actual cost to the shipper to repair or replace the covered property with material of like kind and quality, not including any claim for diminution of value to the covered property; or”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive (United Financial Casualty Co., NAIC 11770) Form Z434 (02/19), submitted in Utah as SERFF PRGS-132168602 on December 5, 2019 and filed for use in Utah December 6, 2019. the link opens the filing summary, not the PDF. Primary only for what Progressive's own cargo endorsement says. Item (v), after the page break: "The “Cargo” limit shown on the declarations page."
  21. 21. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, item 3, Excluded Peril m., Utah SERFF
    “We will not pay for contamination to any covered property or business equipment unless it results from damage to an insured auto.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, filed in Utah as SERFF PRGS-134386193 on February 7, 2025, disposition FILED FOR USE. the link opens the filing summary. The filed specimen carries placeholder headers. Item 3 opens "Excluded Peril m. is deleted and replaced by the following:" under the heading "Contamination".
  22. 22. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, item 2, Excluded Peril g., Utah SERFF
    “(ii) Changes in or extremes in temperature, unless resulting from damage to an insured auto.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, filed in Utah as SERFF PRGS-134386193 on February 7, 2025, disposition FILED FOR USE. the link opens the filing summary. The filed specimen carries placeholder headers. Sub-item (i), breakdown of a refrigeration unit or cargo heating equipment, is kept; A439 also modifies the Refrigeration Breakdown Coverage Endorsement "if included in your policy".
  23. 23. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, item 1, Excluded Peril d., Utah SERFF
    “Deterioration; wear and tear; hidden or latent defect; gradual decay; or any quality, fault, or weakness in the covered property or business equipment that causes it to damage or destroy itself.”
    serff-sfa.naic.org, accessed October 12, 2026. Progressive Form A439 (01/25), Cargo Plus Coverage Endorsement, filed in Utah as SERFF PRGS-134386193 on February 7, 2025, disposition FILED FOR USE. the link opens the filing summary. The filed specimen carries placeholder headers.
  24. 24. 49 U.S.C. 14706(a)(1), liability for actual loss, 2023 edition, govinfo
    “The liability imposed under this paragraph is for the actual loss or injury to the property caused by (A) the receiving carrier, (B) the delivering carrier, or (C) another carrier over whose line or route the property is transported”
    govinfo.gov, accessed October 12, 2026. The Carmack Amendment; Same paragraph: "Failure to issue a receipt or bill of lading does not affect the liability of a carrier."
  25. 25. 49 U.S.C. 14706(c)(1)(A), shipper waiver, 2023 edition, govinfo
    “establish rates for the transportation of property (other than household goods described in section 13102(10)(A)) under which the liability of the carrier for such property is limited to a value established by written or electronic declaration of the shipper or by written agreement between the carrier and shipper if that value would be reasonable under the circumstances surrounding the transportation.”
    govinfo.gov, accessed October 12, 2026. The subparagraph opens: a carrier under subchapter I or III of chapter 135 "may, subject to the provisions of this chapter (including with respect to a motor carrier, the requirements of section 13710(a))," establish such rates.
  26. 26. J.B. Hunt, CMV insurance carrier requirements page, Basic Requirements
    “Specific J.B. Hunt business units and/or load types (such as specialized or high-value brokered loads) may have additional requirements including supplemental insurance, equipment, experience or training.”
    jbhunt.com, accessed October 12, 2026. The URL path carries 2017-02-14 but the page prints no date and now refers to Carrier 360 onboarding; dated here by the pull. Quoted as what J.B. Hunt says about its own loads.
  27. 27. Utah Code 72-9-401(1)(b), no exemption from motor carrier liability
    “A contract, receipt, rule, regulation, or other limitation of any character whatsoever may not exempt the motor carrier from this liability.”
    le.utah.gov, accessed October 12, 2026. Subsection (1)(a) makes a motor carrier moving property between two Utah points liable for loss, damage or injury it causes.
  28. 28. Utah Code 72-9-401(3)(b) and (c), value declared or agreed in writing
    “the establishment and maintenance of rates dependent upon the value declared in writing by the shipper or agreed to in writing as the released value of the property. (c) The declaration or agreement shall have no other effect than to limit liability and recovery to an amount not exceeding the value so declared or agreed upon.”
    le.utah.gov, accessed October 12, 2026. Same file. (3)(b) ties the exception to rates the motor carrier is authorized or required to keep "by order of the commission"; the section does not say which body issues that order today, and the page does not say.
  29. 29. Redoubt, Do you need cargo insurance?, when a shipper asks for a higher cargo limit
    “If a shipper asks for $1,000,000, get the request in writing: the limit, per load or per occurrence, the commodities, and any reefer or theft conditions.”
    www.redoubt.insure, accessed October 12, 2026
  30. 30. Redoubt, commercial auto insurance guide, what to send
    “Text Redoubt the broker packet, the lender's insurance letter, the platform's upload screen or the renewal itself, with the vehicles and the date you need it by. We will say what can be bound now, what needs the carrier, and what to send back.”
    www.redoubt.insure, accessed October 12, 2026
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Talk to Redoubt

Fragile or high value freight on the truck

Text Redoubt exactly what you haul, the highest value on one load, whether goods ever sit on a truck more than 72 hours, the shipper's or broker's cargo requirements in writing, your USDOT and MC or docket numbers if you have them, the year, make, model, body type and value of each vehicle and trailer, every driver's name, date of birth and license number, a paragraph on what the business does, and the date cover has to start, and we will talk through which cargo form and limit fit the freight.

Text us your load detailsCall 385-375-7655

This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.