Overview
Flatbed freight is exposed to weather, shifting and securement failures in ways enclosed freight isn't. Cargo insurers look closely at what you haul and how you secure it, and some commodities need specialized forms.
Whether you run step decks, conestogas or standard flats, we'll match your cargo coverage to your commodity list and make sure oversize and permit loads are handled properly.
What It Covers
Open-Deck Cargo
Coverage for steel, lumber, building materials, machinery and equipment.
Tarps & Securement Gear
Optional coverage for tarps, chains, straps and binders.
Oversize / Overweight
Coverage considerations for permitted loads and escort requirements.
Physical Damage & Liability
Your tractor, trailer and required liability, all in one package.
Who Needs It
- Steel, coil and pipe haulers
- Lumber and building material carriers
- Heavy equipment and machinery transport
- Step deck, RGN and conestoga operators
What Affects Your Price
- Commodities and load values
- Oversize frequency
- Driver experience with securement
- Cargo loss history
- Radius
Roy's tip: Machinery and vehicles on a flatbed are high-value, high-severity freight. Make sure your cargo limit and commodity schedule cover your most valuable load, not your average one.
Frequently Asked Questions
Does cargo insurance cover weather damage on a flatbed?
It depends on the form. Some policies exclude weather damage to uncovered freight or require tarping. We'll review this with you before you choose a policy.
Do I need special insurance for oversize loads?
Oversize permits often require specific liability limits and the shipper may require higher cargo limits. Tell us about oversize work up front so the policy fits.