Trucking & Cargo Coverage in South Carolina
If your business involves transporting goods or operating commercial vehicles across local or regional routes, the risks on the road are constant. From vehicle collisions to lost or damaged freight, trucking and cargo insurance helps protect your operations, your cargo, and your financial stability.
Hutson-Etherredge Companies works with South Carolina motor carriers, freight haulers, and logistics businesses to arrange trucking and cargo coverage that supports safe, compliant, and uninterrupted service.
What Does This Insurance Cover?
Commercial auto liability
Covers bodily injury and property damage your vehicle may cause to others while in operation.
Physical damage
Pays for repairs or replacement of your truck or trailer following a collision, vandalism, fire, or theft.
Motor truck cargo coverage
Protects the goods or materials you're hauling from damage, theft, or loss while in transit.
Bobtail and non-trucking liability
Covers your vehicle when it's being operated without a trailer or outside of dispatch for non-business purposes.
Towing and storage costs
Covers expenses related to recovering, storing, or transporting your vehicle after an accident.
Why You Need It
Meets state and federal requirements
Motor carriers are required by law to carry specific types and amounts of coverage depending on the type of goods and routes involved.
Protects your cargo and client relationships
Cargo loss or damage can lead to costly replacements and client disputes. Insurance helps mitigate that risk.
Keeps your business on the road
Without proper coverage, even a single accident could result in vehicle downtime, lost income, or legal claims.
Frequently Asked Questions
Is trucking insurance different from regular commercial auto insurance?
Yes. Trucking insurance can include cargo protection and liability limits that meet DOT and FMCSA standards, which regular commercial auto policies do not.
Do I need cargo coverage if I haul only for my own company?
Yes. Even if you're not a for-hire carrier, cargo coverage protects your business from losses to your own goods in transit.
What types of cargo can be covered?
Coverage can apply to a wide range of freight, including building materials, equipment, food products, electronics, and more—subject to policy terms.
Get a Quote for Trucking & Cargo Coverage
Keep your trucks, freight, and business moving forward with insurance that meets your operational and regulatory needs. Hutson-Etherredge Companies is here to help you stay protected on the road.
Call us at
803-649-5141
or request a free quote online.