---
title: Is my freight covered by insurance?
description: FreightProtect auto-applies 100% of declared value; how it compares to carrier insurance and coverage limits.
---

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# Is my freight covered by insurance?

## How Mothership makes sure your cargo is covered

### Is my freight insured, and what does FreightProtect™ cover?

Yes. Every shipment has carrier liability coverage, and you can add FreightProtect™ for more protection.

FreightProtect™ is an optional add-on. To add it, enter your cargo value under **Add premium coverage** at checkout. FreightProtect™ reimburses 100% of your declared value, and claims are paid in an average of 10 days.

If you don't add it, your shipment is covered by the carrier's liability limits. Carrier claims may take up to 120 days to approve or deny. You can see each carrier's coverage on its rate card when you get a quote.

Verified network carriers carry cargo insurance of at least $100,000 per occurrence. This is the insurance each carrier must hold. It isn't the amount you recover. What you recover follows the carrier's tariff liability limit. Each carrier's tariff and liability item are listed below.

---

We take the safety of your freight seriously. We require our government-permitted partner carriers to keep cargo coverage that meets or exceeds federal and state requirements.

#### **For basic coverage with verified carriers on our network, the required cargo coverage limits are as follows:**

**At least $100,000 per occurrence**

#### **For [National LTL Partner Carriers](https://help.mothership.com/who-are-motherships-national-ltl-partner-carriers?hsLang=en), cargo coverage limits and policies can be found here:**

##### **XPO Logistics**

- [Found on Item 25](https://www.xpo.com/cdn/download_files/s1/p2831/CNWY_199-AK.3_Eff._08.17.2026.pdf)

##### **Old Dominion Freight Line (ODFL)**

- [Found on Item 594](https://www.odfl.com/Tariffs/TariffPDFServlet?text=594.pdf)
- [Found on Item 594-1](https://www.odfl.com/us/en/pdfviewer.tariff.594.html)

##### **SAIA**

- [Found on Item 108](https://assets.ctfassets.net/kjv8gs2ccggb/3Y5vAsxznsXornATV1AG5D/11e691a0350045f9134bc872556f0160/Saia_170D__070626.pdf)

##### **Roadrunner Freight**

- [Found on Item 780 & 781](https://freight.rrts.com/Tools/RulesTariff/Documents/Rules-Tariff.pdf)

##### **STG Logistics**

- [Found on Item 190 & 196](https://media.stgltl.com/wp-content/uploads/2026/07/09112903/STG_LTL_RULES_TARIFF_100_A_EFFECTIVE-7.13.26.pdf)

##### **ABF Freight**

- [Found on Item 780-1](https://arcb.com/sites/www/files/2026-10/ABF-111-AU-10-12-2026.pdf)

###### **T-Force**

- [Found on Item 166](https://www.tforcefreight.com/downloads/UPGF-102-T-20260817.pdf)

##### **Custom Companies**

- [Found in Item 170](https://www.customco.com/wp-content/uploads/2026/06/CTBV-5000P-JUN-2026.pdf)

##### **Daylight Transport**

- [Found in Item 1150](https://www.dylt.com/wp-content/themes/total-child-theme-master/docs/110-AF_Local_Joint_Rules_Tariff_EFF_08-31-2026.pdf)

##### **Southeastern Freight Lines (SEFL)**

- [Found in Item 848](https://www.sefl.com/vsmisc/RT1090%20Full.pdf)

#### **Central Transport**

- [Found in Item 779](https://www.centraltransport.com/!downloads/ctii_rules.pdf)

##### **Forward Air**

- [Found in Item 4.B](https://forwardair.cdn.prismic.io/forwardair/vSk2qz6AL1WHOVTA_SCsGS%2B10-29-26.pdf)

Additionally, Mothership has a cargo liability contingency policy in place to cover your cargo up to the limits listed above in the rare instance a partner carrier accidentally or willingly allowed their coverage to lapse.

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