Carriers are responsible for the goods in their possession until delivery unless contracted for otherwise. In addition to liability insurance policies, truck drivers may also need specialized insurance to cover the goods they haul. Motor truck cargo insurance helps cover claims for accidental loss or damage of cargo. This coverage helps provide essential financial protection for shippers, owner operators, and trucking companies responsible for hauling goods. Motor truck cargo insurance policies are designed to meet the needs and exposures of the carrier. Policies and endorsements may be written to address the specific goods hauled.