Transportation insurance

In practiceWhether you run a single truck across the province or a fleet crossing the US border, this covers the rigs, the loads, and the liability that comes with them.

Not coveredDrivers and units not disclosed on the policy can leave a claim unpaid, so the schedule has to stay current.

In practiceYou drive under your own authority or lease onto a carrier, and the policy is built around how you actually run, including the time you spend bobtailing between loads.

In practiceA load shifts and is damaged in transit, or you are at fault in a highway collision, and cargo and liability respond to the freight and the third-party claim.

Not coveredCargo you haven't declared, or classes of goods the policy excludes (certain high-value or hazardous items), may not be covered.

In practiceYou are towing a customer's car and it is damaged on the hook, or a vehicle sitting in your yard is broken into overnight, and on-hook and garagekeeping respond.

Not coveredDamage that was already on the vehicle before you took it, and your own tools, aren't covered under garagekeeping.

In practiceYou have an accident while driving without a trailer or off-dispatch, and non-trucking liability fills the gap the carrier's policy leaves open.

Not coveredLosses that happen while you are under dispatch for the carrier belong on the carrier's policy, not this one.