Cargo theft is rising, and it’s not just a big city or big fleet problem. Organized crews target parking areas, distribution centers, rail hubs, and hot lanes where goods can be moved quickly. The impact goes far beyond the value of the load; theft drives claims, raises premiums, disrupts customers, and damages your reputation.
Small fleets can’t post guards at every stop, but layered, low-cost controls go a long way toward deterrence and faster recovery.
know the risk: where and how cargo disappears
Law enforcement and industry groups have documented the scope and tactics of cargo theft. The FBI’s overview defines cargo theft and highlights common locations and methods. The National Insurance Crime Bureau's (NICB) public resources summarize trends, hot states, and frequently targeted commodities. These patterns matter: Weekends and holiday periods see more activity, and staging yards, truck stops, and warehouses are frequent targets.
Teach drivers to spot red flags like vehicles tailing after pickup, strangers asking about the load or destination, or suspicious “redirect” calls. Establish a “no info at the dock or truck stop” policy to ensure route, commodity, and consignee details are for operations staff only. Document exact pick-up numbers and sealed-trailer details on the bill of lading (BOL); auditors and investigators rely on that trail when something goes wrong.
layered controls: seals, locks, geofences, and verification
Think in layers that slow thieves and speed alerts. Use high-quality seals and keep a seal-control log (number applied, by whom, verified at delivery). Park smart with nose in against a wall or other trailers, in well-lit, camera-covered areas. Limit unattended time, especially in known hot zones, and avoid leaving loaded trailers overnight whenever possible. Enable geofencing and movement alerts on your telematics so dispatch gets notified if a unit moves unexpectedly or deviates from the planned corridor. Even basic GPS with a power disconnect alert is cheap insurance.
Verification procedures close common social engineering gaps. Require drivers to confirm any pickup or delivery change with dispatch using the number on the rate confirmation, not a number provided in an unsolicited call. For high-value loads, use two-factor verification at pickup and delivery (load number plus a second unique code). If something feels wrong, instruct drivers to call dispatch before proceeding; speed and clarity beat bravado when stakes are high.
respond fast, document well
If a theft or tampering occurs, time is critical. Train drivers and dispatchers to escalate immediately: call 911, then notify your company contact to kick off the response checklist. Provide last known location, GPS breadcrumbs, seal numbers, photos, and a full load description.
The FBI’s Uniform Crime Reporting program treats cargo theft as a distinct category, and clear documentation aids law enforcement and insurer response. NICB’s task force network can also help coordinate multi-agency efforts.
After any incident, review your playbook. Update hot-zone lists, adjust parking policies, and debrief drivers on what worked and what didn’t. Over time, consistent execution of simple layers—parking, seals, geofencing, and verification—creates a highly unattractive target at minimal cost.
At Joe Morten & Son, Inc., we work with trucking operations to protect their bottom lines. If you’re in the market for an agency that puts you first, we’re here to help.
Note: These lists are not intended to be all-inclusive.
This material is intended to be a broad overview of the subject matter and is provided for informational purposes only. Joe Morten & Son, Inc. does not provide legal advice to its insureds or other parties, nor does it advise insureds or other parties on employment-related issues, therefore the subject matter is not intended to serve as legal or employment advice for any issue(s) that may arise in the operations of its insureds or other parties. Legal advice should always be sought from legal counsel. Joe Morten & Son, Inc. shall have neither liability nor responsibility to any person or entity with respect to any loss, action, or inaction alleged to be caused directly or indirectly as a result of the information contained herein. Reprinted with permission from Great West Casualty Company.