- How much does cross-border insurance services cost in Trafalgar, Milton?
- The cost of cross-border insurance services in Trafalgar, Milton depends on your specific details, coverage, and deductible. The best way to know is a free quote — as an independent broker we compare 17 insurers to find your lowest price.
- How do I get cross-border insurance services in Trafalgar, Milton?
- Request a quote online in minutes or call Insurabiz at 613-355-3130. We'll compare our full panel of insurers to find the right cross-border insurance services for you in Trafalgar, Milton.
- Why use a broker for cross-border insurance services in Trafalgar, Milton?
- A broker works for you, not one insurer. We shop the whole market at once to find the best cross-border insurance services coverage and price in Trafalgar, Milton — with local advice and an advocate at claim time.
- Does my Canadian business insurance cover me in the United States?
- Partly. Canadian liability policies commonly cover injury and damage in Canada and the United States, and Ontario auto policies cover U.S. driving. But some liability and professional policies only respond to suits brought in Canada, limits may fall short of U.S. contracts, and workers' compensation and health cover have their own limits. Each policy needs checking against your U.S. activity.
- Do I need a U.S. insurance policy to sell into the United States?
- Usually not, if you export from Canada without a U.S. office, warehouse or employees. A Canadian program with the right territory wording, adequate limits and vendor's endorsements typically works. A separate policy from a U.S.-licensed insurer becomes sensible once you set up a U.S. subsidiary, location or staff based there.
- What liability limits do U.S. customers expect?
- It varies by contract, but U.S. distributors, retailers and general contractors often ask for higher limits than Canadian counterparties, plus additional insured status, primary and non-contributory wording and waivers of subrogation. Read the insurance schedule in the contract before signing, and budget for an umbrella if the required limit is above your primary policy.
- Is my company vehicle covered when driving in the United States?
- Under Ontario's standard owner's policy, yes. It covers incidents in Canada and the United States, and if the jurisdiction's minimum liability is higher than your limit, the insurer honours the higher amount. That only meets the legal minimum. U.S. injury claims can be much larger, so set your auto liability limit on the size of a serious claim, not the statutory floor.
- What insurance does a Canadian trucking company need for U.S. hauls?
- For-hire carriers of general freight in interstate or foreign commerce need at least $750,000 in U.S. public liability, proven by an MCS-90 endorsement or MCS-82 bond. Canadian carriers must carry a legible English copy in each vehicle, or the vehicle can be denied entry. They also need U.S. operating authority and process agents.
- Are my employees covered by WSIB while working in the United States?
- In Ontario, WSIB benefits continue for a worker who lives and usually works in Ontario for an Ontario employer, while employed outside Ontario for less than six months. For longer assignments the employer can apply to extend coverage. A worker entitled to compensation in both places must choose one, usually within three months of the accident.
- Does OHIP cover my staff if they get sick in the United States?
- Only a little. OHIP pays at most $400 a day for inpatient emergency care at the highest levels outside Canada, $200 a day for lower levels, and up to $50 a day for outpatient emergency care. U.S. hospital costs are typically much higher, so staff travelling for work should have group or individual travel medical insurance.
- Do I need a customs bond to import into the United States?
- Yes, if your business is the importer of record. U.S. Customs and Border Protection requires a bond to secure duties, taxes and fees. A continuous bond covers a year of entries, with a minimum of $50,000 or 10% of the prior year's duties, taxes and fees if higher. A single transaction bond covers one entry.
- What does cross-border coverage cost?
- Insurers rate U.S. exposure separately, based on U.S. revenue and how it is earned, the products or services involved, distribution channels, the limits you need, staff travel and vehicles crossing, and your loss history. Because insurers' appetite for U.S. exposure varies, comparing several markets usually matters more for this coverage than for a purely Canadian risk.
