Essential Coverages for Canadian Commercial Trucking
Operating a commercial trucking authority in Ontario or Alberta requires robust insurance coverage to maintain provincial compliance and freight contract eligibility.
1. Primary Automobile Liability
Mandatory bodily injury and property damage coverage for third parties involved in an accident. Minimum $2,000,000 standard limit required by major freight brokers.
2. Motor Truck Cargo Insurance
Covers loss, damage, or theft of customer goods in transit from origin to destination across Canadian and cross-border lanes.
3. Physical Damage (Collision & Comprehensive)
Protects your high-value tractors, straight trucks, and trailing equipment against overturn, collision, fire, theft, and windstorm.
4. Commercial General Liability (CGL)
Protects your transportation business against third-party bodily injury or property damage arising from operations outside of driving (e.g. loading dock incidents).