Ontario Trucking Insurance for Owner-Operators and Fleets
CGL, cargo, physical damage, and non-owned trailer coverage — compare options through licensed Ontario brokers.
Start My Trucking RequestKey Trucking Coverage Types
Commercial Auto Liability
Protects your trucking business from third-party bodily injury and property damage claims arising from operations. Standard commercial trucking limits typically start at $1 million or $2 million.
Cargo Transit Coverage
Insures the goods and cargo you transport against risks like theft, fire, collision, or accidental loss. Limits are customized based on the cargo commodity class and carrier values.
Physical Damage (Collision & Comp)
Covers the repair costs or replacement value of your own tractor and trailer if damaged in a collision, or from comprehensive risks like fire, hail, or vandalism.
Non-Owned Trailer Coverage
Protects trailers that do not belong to you while they are hitched to your truck, covering potential physical damage or liability while under your temporary custody.
Who We Serve
Single Owner-Operator
Independent drivers running their own truck require comprehensive protection that safeguards their tractor investment, meets shipping contracts, and remains cost-effective.
Small Fleet (2-10 Units)
Fleet managers running small operations need scalable policies, quick certificate updates, and specialized advisory to manage operational safety records.
Large Fleet (10+ Units)
Enterprise fleets require customized risk management, bulk pricing rates, specialized deductibles structure, and robust cargo limits for diverse freight classes.
Operating Scope & Pricing Parameters
Local/Regional
Operating within Ontario. Short radius hauls usually enjoy lower premiums since they operate in familiar geography and experience fewer highway miles.
Canada-Wide
Interprovincial hauls spanning from coast to coast. Interprovincial travel requires specific endorsements, higher cargo safety, and compliance mapping.
Cross-Border (Canada & US)
Crossing into the United States. Operations must comply with US DOT regulations, FMCSA filings, and carry higher liability limits (typically USD $1 million minimum).
How It Works
Three steps to secure trucking coverage comparison
Submit Trucking Profile
Provide vehicle count, operating scope, and driver experience details in our secure portal.
Match with Broker
We connect you with a commercial broker licensed in your province who specializes in heavy transport insurance.
Receive Custom Quotes
Compare rates from multiple commercial carriers side-by-side, finalizing policy terms without hassle.
Ontario Trucking Regulatory Compliance Note
All trucking insurance brokers in our Ontario network are RIBO-licensed. Cross-border operations require US liability endorsements — ask your matched broker about your specific requirements.
Frequently Asked Questions
Do I need a CVOR certificate to get trucking insurance?
Yes. Commercial vehicle operators in Ontario require a CVOR (Commercial Vehicle Operator's Registration) to operate heavy trucks. Underwriters look at your CVOR safety rating to evaluate risk and calculate premiums.
What cargo limits should an owner-operator carry?
Limits depend entirely on what commodities you are hauling. Standard dry van operations typically carry $100,000 to $250,000 in cargo insurance, but specialized machinery or high-value loads will require higher limits.
Does my personal auto policy cover my truck?
No. Personal auto policies explicitly exclude commercial trucking operations. You must obtain dedicated commercial truck insurance to comply with provincial shipping laws and ensure claims coverage.
What is non-owned trailer coverage?
Also known as trailer interchange or non-owned physical damage, this endorsement covers damage to trailers owned by third parties while they are connected to your truck or inside your yard.
How quickly can I get coverage through a broker?
Simple owner-operator risks can often get matching options within 24 to 48 hours. Larger fleets with complex CVOR profiles or cross-border logistics may require a few days to negotiate multiple carrier premium quotes.