Do I need Cargo Insurance or Commercial Auto Insurance?

People often ask themselves: Do I need Cargo Insurance or Commercial Auto Insurance? Cargo Insurance falls under the liability section of the ISO (Insurance Standard of Operation) risk. Cargo Insurance covers the liability exposure that may arise out of having care custody and control of other people’s property. Example: when a trucker carries merchandise from point A to point B and while in transit an incident occurs, the property inside will fall under Cargo Insurance. The bodily injury and property damage risk while in transit or caused by moving vehicles falls under Commercial Auto Insurance. Therefore, to be completely covered you need both Cargo Insurance and Commercial Auto Insurance.
Cargo Insurance
Commercial Auto Insurance