Your cargo limit needs to match your load.

$100,000 cargo limit. $60,000 load of computers. Claim denied. Buried in your policy was a $25,000 electronics sublimit you never knew existed. That's not bad luck — that's a policy you never actually read.

Your headline limit is marketing. Your sublimits are reality.

Under that big shiny number sit smaller caps for specific commodities and situations. Electronics. Pharmaceuticals. Alcohol. High-value retail. Many owner-operator insurance policies carve these out or limit them hard — and the broker offering you that load doesn't care what's in your policy. You should.

Then there's the rest of the fine print that ruins weeks: the deductible ($2,500 out of pocket on a $4,000 claim changes everything), common exclusions like theft from an unattended vehicle or improper securement, and whether your policy is "all risk" or "named perils." That one distinction decides what gets paid.

Thirty seconds of review beats a denied claim and a broker who never calls you again. Before you accept ANY load, compare its value and commodity against your cargo policy — limit, deductible, exclusions, every sublimit.

And photograph the load before you roll. Timestamped photos of the freight's condition at pickup won't change your policy terms, but they can change how a claim investigation goes. Cheap protection. Do it every time.

Your cargo limit needs to match your load. A listed limit does not mean every load or every loss is covered. Read the policy you paid for.

Coverage depends on your policy and endorsements — no exceptions. Stop hauling on hope. Get your trucking coverage reviewed by people who speak trucker: legacyshiftinsuranceagency.com

Covered on paper is step one. Knowing the business is step two. PRO Freight Dispatcher Training starts Nov 14 — seats are limited: https://www.learndispatchtoday.com — or catch the free Tuesday live Dispatch Lab.