Hunter NelsonOwner of Nelson Insurance Agency

Avoid Load Declines Crucial Insurance Policy Check! #truckinginsurance #truckingindustry

30 Jul 2026 · 1 min

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In this segment, Hunter Nelson explains that cargo-related insurance exclusions—specifically for wetness, dampness, and dryness—have historically caused many flatbed carriers to be declined loads, especially when using Progressive’s policies. He notes that Progressive has removed this exclusion, but other major insurers still retain it. Nelson emphasizes that for high‑value loads ($50k‑$100k+), an exclusion can result in zero claim recovery if the cargo gets wet, making it essential for carriers to scrutinize their policy language and ensure coverage for moisture‑related damage.

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Cargo is actually one of the main reasons people get declined loads. This is not the case anymore for Progressive, but Progressive used to have a wetness, dampness, and dryness exclusion, and that's a big deal for flatbed guys. If anything was wrong with the tarp and, and it got wet, damp, or whatever the case was, Progressive used to not pay out claims there because they had an exclusion for, like I said, wetness, dampness, and dryness. And so that's why mass amounts of people were getting declined loads from Progressive. That is no longer the case, but there— I don't want to name any names, but there's still big names, insurance companies out there who actually do exclude wetness, dampness, and dryness. And really what does matter most is if you have a $100,000 load or $50,000 load get destroyed because your policy excludes wetness, dampness, and dryness, you're not going to get a penny at claims time. So it's very important to understand that stuff and look at what that all does.