Trucking Insurance Ontario

Name: Ontario Trucking Insurance
Address: 100 King Street West, Toronto, ON, M5X 1A9, CA
Telephone: +1-416-346-0626
Price range: $$
Rating: 4.8

Ontario's trusted commercial truck insurance brokers. Trucking insurance, fleet coverage, and owner-operator policies from specialists who understand transportation.

Get Instant Estimate Call +1-416-346-0626

✓ RIBO Licensed Ontario Brokers

Coverage Options

Trucking Insurance Coverage Types

Explore our comprehensive guides for each type of commercial trucking coverage in Ontario.

Owner Operator Insurance

Specialized coverage for independent truckers with their own authority

$8,000–$15,000/yr Single truck

Long-Haul Trucking

Coverage for interprovincial and cross-border operations

$10,000–$18,000/yr Higher liability limits

Save 15-25%

Fleet Insurance

Multi-vehicle policies for companies with 2+ units

$5,500–$9,000/truck Volume discount

Cross-Border Coverage

US DOT compliance and binational requirements

+25–50% Added to base policy

Cargo Insurance

Protect freight against damage, theft, and spoilage

$400–$2,500/yr $100K–$250K coverage

Required

Commercial Liability

Required $2M liability coverage for Ontario carriers

$3,000–$6,000/yr $2M minimum

Complete Guide

Commercial Truck Insurance

Complete guide to commercial truck insurance in Ontario - rates, companies, and coverage

$8,000–$25,000/yr Single truck

Box Truck Insurance

Coverage for delivery trucks, moving vans, and 5-ton vehicles

$3,500–$9,500/yr Single truck, local radius

New Drivers

Truck Driver Insurance

Insurance coverage for independent truck drivers and new authority trucking companies

$10,000–$18,000/yr First year premium

Expert Advice

Find a Trucking Insurance Broker

Connect with RIBO-licensed trucking insurance brokers who specialize in commercial transportation

Free Quotes Compare multiple insurers

Trucking Insurance Companies

Top Trucking Insurance Companies in Ontario

Intact Insurance

Old Republic Insurance

Northbridge Insurance

Liberty Mutual Canada

Intact Insurance

Old Republic Insurance

Northbridge Insurance

Liberty Mutual Canada

A-Rated Carriers 24/7 Claims Support 10,000+ Truckers Insured

Ontario commercial trucking compliance and insurance requirements

$2M Minimum Liability

Legal Requirements

Ontario Insurance Requirements

The Ontario Highway Traffic Act and Motor Vehicle Transport Act set minimum requirements for trucks over 4,500 kg.

$2,000,000 Liability

Minimum coverage for commercial operations

Cargo Insurance

Required if hauling goods for hire

Valid CVOR Certificate

Registered with Ministry of Transportation

WSIB Coverage

Or proof of exemption for employees

CVOR affects your rates A "Conditional" rating can increase premiums 35-75%

Interactive Tool

Estimate Your Insurance Cost

Answer a few questions to get a personalized estimate based on your specific operation.

Step 1 of 333%

Select Your Truck Type

Semi-Truck / Tractor-Trailer

Straight Truck / Box Truck

Flatbed Truck

Tanker Truck

Refrigerated Truck

Dump Truck

Tow Truck / Wrecker

Other

Common Questions

Trucking Insurance FAQ

Real questions from Ontario truckers, answered by licensed brokers.

How much does trucking insurance cost in Ontario?

Commercial truck insurance in Ontario costs $8,000–$15,000/year for owner-operators with a single semi truck. Fleet operators pay $5,500–$9,000 per truck with volume discounts. New authorities typically pay 40-60% more in their first year.

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How do I get trucking insurance for new drivers?

Getting trucking insurance for new drivers requires showing proof of CDL/Class A license, completing a safety training program, and working with a trucking insurance broker who specializes in new authorities. Expect higher premiums (40-60% more) for the first 1-2 years until you build experience.

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What is truck driver insurance?

Truck driver insurance covers independent truck drivers and owner-operators for liability, physical damage, and cargo. In Ontario, commercial truck drivers need minimum $2M liability coverage plus cargo insurance if hauling goods for hire. Many also add occupational accident insurance for medical coverage.

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Why is trucking insurance so expensive?

Trucking insurance costs have risen due to "nuclear verdicts" (multi-million dollar jury awards), increased repair costs, medical inflation, and reinsurance market hardening. Even safe drivers see premium increases due to industry-wide loss ratios.

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How does fleet insurance pricing work?

Fleet insurance uses composite rating—one rate for all vehicles based on your overall risk profile. With 5+ trucks, you typically save 15-25% per vehicle compared to individual policies. Reporting is usually monthly or quarterly.

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What is non-trucking liability insurance?

Non-trucking liability (NTL) covers your truck when you're NOT under dispatch—personal errands, driving home, etc. It's different from bobtail insurance and is typically required if you're leased onto a carrier.

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Ontario's Trucking Insurance Specialists

Our network brings together 9 of Ontario's most experienced trucking insurance professionals. Each specialist represents a top-rated brokerage and focuses on a specific area of commercial trucking coverage.

★ 4.8

Adam Mitchell

CEO IBAO Young Broker of the Year 2019

Mitch Insurance Brokers Toronto, ON 76+ years in business

Specialty Industry Overview & Fundamentals

Trucking insurance fundamentals, industry trends, and comprehensive coverage guidance

Third-generation insurance broker and CEO of Mitch Insurance, a family-run brokerage since 1948. Adam has led the company to multiple industry recognitions including IBAO Brokerage of the Year and works with over 70 of Canada's top insurance companies.

Read More → (416) 346-0626 Website

Kanwaljeet Bath

Managing Partner CIP

Billyard Insurance Group Mississauga, ON 15+ years in business

Specialty Cross-Border Trucking

International trucking insurance for Canada-US operations, customs bonds, and cross-border compliance

Chartered Insurance Professional with over 14 years in the insurance industry. Kanwaljeet specializes in complex commercial risks and leads the Mississauga West branch, serving the GTA's thriving logistics and transportation sector.

Read More → (416) 346-0626 Website

Rajwinder Minhas

Insurance Broker B.Econ

Five Star Insurance Brokers Brampton, ON 16+ years in business

Specialty Fleet Insurance

Multi-vehicle fleet coverage, fleet safety programs, and volume discount strategies

Based in Canada's trucking capital, Rajwinder brings economic expertise to fleet insurance solutions. Five Star Insurance has been servicing the Canadian transportation industry for years, specializing in owner operators and truck fleets of all sizes.

Read More → (416) 346-0626 Website

★ 4.9

Fred Morison

President & CEO CPA

Morison Insurance Brokers Mount Hope, ON 129+ years in business

Specialty Owner-Operator Insurance

Independent trucker coverage, single-truck operations, and owner-operator risk management

Fred founded Morison Insurance in 1994, growing it from a single Hamilton office to Ontario's #1 Insurance Broker as named by IBAO. With roots dating back to 1895, the family business now serves over 80 professionals across multiple locations.

Read More → (416) 346-0626 Website

Ian McCowan

President & Owner

D.G. Dunbar Insurance London, ON 45+ years in business

Specialty Long-Haul Transportation

Long-distance trucking coverage, highway risk management, and cross-provincial operations

Ian leads D.G. Dunbar Insurance, one of London's most respected brokerages with over 40 years of transportation expertise. The firm's "Transportation" experts design tailored risk management plans for transport companies across Ontario.

Read More → (416) 346-0626 Website

Jennifer Oegema

President BBA, CAIB, CPIB

Oegema, Nicholson & Associates Ottawa, ON 63+ years in business

Specialty CVOR & Regulatory Compliance

Commercial Vehicle Operator's Registration, safety ratings, and regulatory requirements

Third-generation insurance professional leading one of Eastern Ontario's largest independent brokerages. Jennifer holds her BBA from Bishop's University and advanced broker certifications, overseeing five locations across the Ottawa Valley.

Read More → (416) 346-0626 Website

Paul Lemmon

President & CEO

All-Risks Insurance Brokers Windsor, ON 70+ years in business

Specialty US Cross-Border Insurance

Ambassador Bridge corridor coverage, US compliance, and international shipping insurance

Paul and Kim Lemmon lead All-Risks Insurance from their Windsor headquarters at Canada's busiest border crossing. With 70 years of history and 74 locations across Ontario, the firm specializes in complex cross-border transportation risks.

Read More → (416) 346-0626 Website

Joanna Mendonca

President RIB (Ont), CAIB, CIP

Staebler Insurance Kitchener, ON 152+ years in business

Specialty Cargo Insurance

Motor truck cargo coverage, freight protection, and manufacturing region logistics

Third-generation broker and eighth President of Staebler Insurance since 2019. Joanna brings tech-forward innovation to the 150+ year-old brokerage, which is an Ontario Trucking Association member specializing in fleet and long-haul trucking.

Read More → (416) 346-0626 Website

Steve Wagler

Partner & Director of Sales BA, CAIB

Josslin Insurance Brokers Cambridge, ON 144+ years in business

Specialty New Ventures & Startup Trucking

Insurance for new trucking authorities, startup guidance, and first-year coverage strategies

Second-generation family business leader at Josslin Insurance, a brokerage with roots dating back to 1880. Steve and his brother Scott continue the Wagler family tradition of community-focused insurance service across Waterloo Region.

Read More → (416) 346-0626 Website

9 Licensed Brokerages

500+ Years Combined Experience

RIBO Licensed & Regulated

74+ Office Locations

Verified Reviews

What Clients Say About Our Broker Partners

Real reviews from Google and broker websites

"They reviewed my trucking profile very carefully and helped me find the best rates for my fleet. Very thorough and professional service."

Fleet Owner via Five Star Insurance View on Birdeye Reviews

"Excellent customer service, very competitive prices and personalized policies. There is no doubt why they were awarded Ontario Brokerage of the Year."

Verified Customer via Morison Insurance View on Morison Reviews

"We've been with this brokerage for several years. They handle all our insurance from commercial vehicles to business coverage. Great to deal with, very friendly and helpful."

Business Owner via Morison Insurance View on Morison Reviews

"The team took the time to find the best commercial policy to fit our needs and budget. They genuinely cared about protecting our business."

Jeremy & Holly F. via Josslin Insurance View on Josslin Testimonials

"Very attentive and professional service. They made sure we got the best insurance rates with solid advice for our hard earned money. Been with them for 9 years."

Long-term Client via All-Risks Insurance View on BBB Reviews

"The service was amazing. They went above and beyond to find the perfect insurance coverage for our commercial vehicles."

Verified Customer via Staebler Insurance View on Staebler Reviews

"They advocated for the best price on our commercial auto insurance year over year. Wonderful experience working with this team."

Verified Customer via All-Risks Insurance View on BBB Reviews

"Made our commercial insurance effortless. Customer service is taken to a new level here."

Erin S., Kitchener via Josslin Insurance View on Josslin Testimonials

"The friendly team was able to get us better coverage with a different carrier, saving us hundreds of dollars. Very satisfied with the service!"

Shannon R. via Mitch Insurance View on Mitch Reviews

"Instrumental in securing the best possible deals for our business insurance. When we needed to make a claim, the process was seamless."

Verified Customer via Staebler Insurance View on Staebler Reviews

"They reviewed my trucking profile very carefully and helped me find the best rates for my fleet. Very thorough and professional service."

Fleet Owner via Five Star Insurance View on Birdeye Reviews

"Excellent customer service, very competitive prices and personalized policies. There is no doubt why they were awarded Ontario Brokerage of the Year."

Verified Customer via Morison Insurance View on Morison Reviews

"We've been with this brokerage for several years. They handle all our insurance from commercial vehicles to business coverage. Great to deal with, very friendly and helpful."

Business Owner via Morison Insurance View on Morison Reviews

"The team took the time to find the best commercial policy to fit our needs and budget. They genuinely cared about protecting our business."

Jeremy & Holly F. via Josslin Insurance View on Josslin Testimonials

"Very attentive and professional service. They made sure we got the best insurance rates with solid advice for our hard earned money. Been with them for 9 years."

Long-term Client via All-Risks Insurance View on BBB Reviews

"The service was amazing. They went above and beyond to find the perfect insurance coverage for our commercial vehicles."

Verified Customer via Staebler Insurance View on Staebler Reviews

"They advocated for the best price on our commercial auto insurance year over year. Wonderful experience working with this team."

Verified Customer via All-Risks Insurance View on BBB Reviews

"Made our commercial insurance effortless. Customer service is taken to a new level here."

Erin S., Kitchener via Josslin Insurance View on Josslin Testimonials

"The friendly team was able to get us better coverage with a different carrier, saving us hundreds of dollars. Very satisfied with the service!"

Shannon R. via Mitch Insurance View on Mitch Reviews

"Instrumental in securing the best possible deals for our business insurance. When we needed to make a claim, the process was seamless."

Verified Customer via Staebler Insurance View on Staebler Reviews

All reviews verified from broker websites and trusted review platforms

Get Your Commercial Truck Insurance Quote

Get connected with Ontario's top trucking insurance specialists. Receive a personalized commercial truck insurance quote from a licensed broker in minutes.

Get Instant Estimate Call +1-416-346-0626

Canada's Trucking Hub

Commercial Truck Insurance Canada

Ontario is Canada's largest trucking insurance market, with over 40% of the nation's commercial carriers based here. As specialists in transportation insurance in Canada, we understand the unique requirements of Canadian trucking operations.

40%+

Of Canada's trucking industry operates through Ontario

$2M

Minimum liability for commercial truck insurance in Canada

Cross-Border

Specialists in Canada-US transportation insurance

Industry Reference

Trucking Insurance Classification Codes

Understanding your NAICS and WSIB classification helps you get accurate quotes and ensures proper coverage for your specific type of trucking operation.

Ontario Trucking Insurance Classification Reference

Cross-reference table for NAICS, WSIB, ISO, and NCCI codes

Category	NAICS (i)	WSIB (i)	ISO (i)	Risk Level	Avg. Premium
General Freight Trucking, Long-Distance Long-haul trucking operations exceeding 150km radius	`484121`	`70220`	`CA 7219`	High	$12,000 - $18,000/year
General Freight Trucking, Local Local delivery within 150km radius	`484110`	`70210`	`CA 7218`	Medium	$6,000 - $10,000/year
Specialized Freight - Refrigerated Temperature-controlled cargo transport	`484230`	`70230`	`CA 7228`	High	$14,000 - $22,000/year
Specialized Freight - Flatbed/Heavy Haul Oversized loads, machinery, construction equipment	`484220`	`70230`	`CA 7222`	Very High	$18,000 - $28,000/year
Specialized Freight - Tanker/Hazmat Hazardous materials, fuel, chemicals	`484230`	`70240`	`CA 7229`	Very High	$22,000 - $35,000/year
Used Household Goods Moving Residential and commercial moving services	`484210`	`70220`	`CA 7217`	Medium	$8,000 - $14,000/year
Dump Truck Operations Construction materials, aggregate hauling	`484220`	`70230`	`CA 7216`	High	$10,000 - $16,000/year
Tow Truck/Wrecker Services Vehicle recovery and towing	`488410`	`70250`	`CA 7227`	High	$12,000 - $20,000/year

Note: Premium estimates are based on 2024 Ontario market rates for operators with clean CVOR records. Actual premiums vary based on experience, claims history, fleet size, and cargo type. Get a personalized estimate →