Trucking insurance for carriers and fleets
Coverage built for carriers. We work with insurers who specialize in trucking to protect your units, your cargo and your operating authority, whether you run local, across Canada or into the US.
What does trucking insurance include?
Trucking insurance brings together commercial auto liability, physical damage coverage for your tractors and trailers, and motor truck cargo insurance for the freight you haul. Most carriers also need general liability and non-owned trailer coverage.
Every trucking operation is underwritten individually, based on your drivers, radius, commodities and loss history. We present your operation to insurers who understand trucking, so you get options rather than a single take-it-or-leave-it quote.
Who it’s for
- For-hire common and contract carriers
- Owner-operators with their own authority
- Leased operators
- Private carriers hauling their own goods
- Reefer, flatbed and dry van fleets
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Auto liability
Covers injury and property damage your trucks cause to others, the core coverage every carrier needs.
Physical damage
Collision, comprehensive or all perils coverage for your tractors and trailers.
Motor truck cargo
Protects the freight you haul against loss or damage in transit.
Reefer breakdown
Covers spoiled loads if your refrigeration unit fails.
Non-owned trailers
Covers damage to trailers you pull but do not own, under a trailer interchange or rental agreement.
General liability
Protects against claims from your premises and non-driving operations.
Trucking insurance: what to know
Practical points we walk every client through before they choose a policy.
Commercial carriers are monitored by their provincial regulator. Insurers review your carrier profile, safety rating and inspection history before quoting.
For US trips you need a USDOT number, and most for-hire carriers also need operating authority (MC number) with insurance filings. US federal minimum liability starts at $750,000 for general freight.
Insurers look closely at driver experience, abstracts and hiring practices. A documented hiring and training process can widen your options.
ELDs, dash cameras and driver monitoring help demonstrate safe operations and may help you qualify for better pricing with some insurers.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Trucking insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppAt minimum you need commercial auto liability on your units. Most carriers also carry physical damage, motor truck cargo, general liability and non-owned trailer coverage. Brokers and shippers often set their own minimum cargo and liability limits.
It depends on the value of your typical and maximum loads. Many freight brokers and shippers require a minimum cargo limit, so check your contracts before choosing.
Yes. You will need a USDOT number and, for most for-hire operations, MC authority with insurance filings. Your insurer must be able to file on your behalf and provide limits that meet US requirements.
Yes, although new ventures have fewer options. Driver experience, a solid business plan and documented safety practices make a big difference to the quotes you receive.
Loss runs from your current insurer, driver abstracts, a unit list with VINs and values, IFTA reports and your carrier profile. You can upload them directly in our trucking quote form.
Get your trucking insurance quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.