Start with how the operation runs
Auto haulers should document the number and value of vehicles per load, loading equipment, inspection records, routes, custody, contracts, and the kinds of vehicles accepted.
Coverage areas to review
- Commercial auto liability and tractor or truck physical damage
- Motor truck cargo with vehicle-specific valuation and exclusions reviewed
- General liability for loading, unloading, and premises activity
- Workers' compensation and umbrella or excess
Information to prepare
- Hauler and trailer type, capacity, values, and securement equipment
- Vehicle types, maximum unit and aggregate load values
- Pickup, inspection, photo, condition-report, and delivery procedures
- Routes, drivers, contracts, storage, and loss history
Questions to answer before quoting
- What is the highest total value on one load?
- Are exotic, collector, salvage, oversized, or inoperable vehicles accepted?
- How is pre-existing damage documented before custody?
Frequently asked questions
Why is the aggregate value per load critical?
Cargo limits and valuation should reflect the maximum concentration of customer vehicles, not just the average vehicle value.
Can cargo policies exclude certain autos?
Yes. High-value, exotic, antique, salvage, inoperable, or other vehicle types may have restrictions, sublimits, or exclusions.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.