Trucking Insurance Coverage Options
Comprehensive coverage solutions for Ontario owner-operators, fleets, and trucking companies. Understand what you need, what it costs, and how to get the best rates.
All Coverage Types
Click any coverage to learn more about requirements, costs, and claim examples.
Commercial Truck Liability Insurance
Required $1M-$2M coverage protecting against bodily injury and property damage claims from accidents.
Motor Truck Cargo Insurance
Protects freight you're hauling against damage, theft, or loss during transit.
Physical Damage Coverage
Comprehensive and collision coverage for your truck and trailer equipment.
Non-Trucking Liability (Bobtail)
Coverage when driving without a trailer or off-dispatch for personal use.
Trailer Interchange Insurance
Covers trailers you don't own while under a trailer interchange agreement.
Reefer Breakdown Coverage
Protects refrigerated cargo when your reefer unit fails mechanically.
General Liability Insurance
Covers third-party claims at customer locations, loading docks, and truck stops.
Occupational Accident Insurance
Medical and disability coverage for independent owner-operators.
Workers' Compensation (WSIB)
Mandatory coverage for employees - covers workplace injuries and lost wages.
Umbrella/Excess Liability
Additional liability protection above primary limits - often required for large contracts.
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Coverage Comparison
Quick reference guide to help you understand which coverages you need.
| Coverage Type | Who Needs It | Typical Cost | Required? |
|---|---|---|---|
| Commercial Truck Liability | All commercial truck operators | $4,000 - $12,000/year | Yes |
| Motor Truck Cargo | Anyone hauling freight for hire | $400 - $2,500/year | Yes |
| Physical Damage | Truck/trailer owners | $2,500 - $8,000/year | If financed |
| Non-Trucking Liability | Leased owner-operators | $500 - $1,500/year | Recommended |
| Trailer Interchange | Operators pulling others' trailers | $300 - $1,200/year | If applicable |
| Reefer Breakdown | Refrigerated cargo haulers | $400 - $1,500/year | Recommended |
| General Liability | All trucking businesses | $500 - $2,000/year | Recommended |
| Occupational Accident | Independent owner-operators | $1,200 - $3,600/year | Recommended |
| Workers' Compensation | Employers with employees | 2% - 5% of payroll | Yes |
| Umbrella/Excess Liability | Large contract requirements | $2,000 - $8,000/year | If required |