What type of cargo coverage insures truckers for legal liability while transporting goods?

Motor truck cargo coverage is specifically designed to protect truckers against legal liability for damage to goods they are transporting. This type of coverage is vital for trucking operators as it ensures that they are financially protected if the cargo they are carrying is lost, damaged, or destroyed while in their care. This liability extends not only to the physical damage to the cargo but also covers instances where the trucker may be held legally responsible for the loss or damage due to negligence.

The significance of this coverage is underscored in the context of the trucking industry, where operators often carry valuable cargo and can face substantial financial repercussions if anything goes wrong during transport. By providing this coverage, truckers can operate with greater confidence knowing they are protected against such liabilities.

The other options mentioned do not specifically address the needs of truckers for coverage related to legal liability when transporting goods. Fixed transportation and annual or trip transit policies cover different aspects of transportation insurance and are not specifically tailored to the legal liabilities faced by truckers. Thus, motor truck cargo coverage is the most appropriate choice for this scenario.