Commercial Truck Insurance

From single owner-operator to full fleet — covered mile by mile.

Trucking insurance is its own discipline: heavy units, high liability limits, cargo in trust, and safety records (CVOR) that directly drive your premium. Owner-operators and small fleets live or die on getting this placement right.

We arrange truck insurance across classes — local, long-haul, and specialty — with the CVOR and driver-file presentation that earns the better rate.

What's covered

Liability coverage at the limits shippers and regulators require
Physical damage on tractors and trailers
Cargo / carriers' legal liability for freight
Non-owned trailer and interchange coverage
Downtime and loss-of-use options after a covered loss
Cross-border endorsements for US operations

Good to know

Frequently asked questions

Why did my truck insurance quote vary so much between brokers?: Presentation: your CVOR record, driver files, radius, and commodity mix determine which markets will even quote — and how. A trucking-literate submission routinely beats a generic one on the same facts.
What liability limit do trucks need?: Ontario's statutory minimum is far below what shippers and practical exposure demand — $2 million is the working floor for most operations, with $5 million common in contracts. US operations bring their own filing requirements.
Do owner-operators need their own policy under a carrier's authority?: It depends on the lease terms — carriers typically insure liability while the owner-operator carries physical damage (buy-down) and sometimes bobtail/deadhead coverage. We read the lease and fill exactly the gaps it leaves you.

Insurer partners

Insurers we compare for commercial truck insurance

We shop these partners to find the right coverage and price for you.

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What's covered

Liability coverage at the limits shippers and regulators require

Physical damage on tractors and trailers

Cargo / carriers' legal liability for freight

Non-owned trailer and interchange coverage

Downtime and loss-of-use options after a covered loss

Cross-border endorsements for US operations

Frequently asked questions

Why did my truck insurance quote vary so much between brokers?

Presentation: your CVOR record, driver files, radius, and commodity mix determine which markets will even quote — and how. A trucking-literate submission routinely beats a generic one on the same facts.

What liability limit do trucks need?

Ontario's statutory minimum is far below what shippers and practical exposure demand — $2 million is the working floor for most operations, with $5 million common in contracts. US operations bring their own filing requirements.

Do owner-operators need their own policy under a carrier's authority?

It depends on the lease terms — carriers typically insure liability while the owner-operator carries physical damage (buy-down) and sometimes bobtail/deadhead coverage. We read the lease and fill exactly the gaps it leaves you.