Cargo insurance focuses on goods while they are being transported, helping address loss or damage in transit. Infante Insurance Group works with a network of carriers to help trucking operations and freight businesses across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options — in English or Spanish.
Coverage Options
A typical cargo policy addresses loss or damage to goods while in transit, whether from a collision, fire, theft, or certain weather events. Coverage limits are generally chosen to reflect the maximum value of cargo typically hauled at one time. Specific commodities, such as refrigerated goods or high-value items, may involve additional considerations or exclusions. Cargo insurance is separate from commercial auto liability, which addresses injuries or property damage rather than the freight itself.
Who May Need This
This coverage is worth exploring if you operate a trucking business, work as an owner-operator hauling freight for others, or run a business that regularly ships or transports goods and wants protection against loss or damage in transit.
Where You're Covered
Both of our states are major logistics hubs, which makes cargo insurance a common consideration for transportation businesses in either one. South Florida offers proximity to PortMiami, while the Dallas–Fort Worth area is one of the largest inland trucking and freight hubs in the country and Houston’s port adds another major Gulf Coast gateway. Many shippers and brokers — whether you’re running routes through Miami-Dade, Houston, or Dallas — require proof of cargo coverage before contracting with a carrier.
Need help in Spanish? We offer service in English and Spanish.
This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
“Recomendamos a Alex al 100 por ciento, es súper responsable y muy dedicado a su trabajo, siempre está al pendiente de todo para que estés segura.”
Yanela M.
“Quiero agradecer la excelente atención que recibí. El agente fue muy profesional, paciente y respondió todas mis…”
David S.
“Carlos Infante was extremely helpful with my auto insurance. He was professional, respectful, and very efficient…”
Nolberto P.
Quick answers to the questions we hear most often.
No — commercial auto liability addresses injuries or property damage from an accident, while cargo insurance addresses loss or damage to the freight itself. Many trucking businesses carry both.
Often Coordinated Together