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  <!-- Core Pages -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Pillar Pages (Coverage) -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/commercial-truck-liability-insurance-ontario</loc>
    <lastmod>2025-12-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/fleet-insurance</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/commercial-cargo-insurance-ontario</loc>
    <lastmod>2025-12-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/new-authority-trucking-insurance-ontario</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/owner-operator-truck-insurance-ontario</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/cross-border-trucking-insurance-canada-us</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/trucking-insurance-brokers-ontario</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Already Indexed - Rising Keywords (Adding to sitemap) -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/box-truck-insurance</loc>
    <lastmod>2026-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/commercial-truck-insurance-ontario</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- FAQ Pages (Already indexed - high impressions) -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/faq/how-much-is-commercial-truck-insurance-in-ontario</loc>
    <lastmod>2026-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/faq/who-is-the-best-truck-insurance</loc>
    <lastmod>2026-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/faq/which-type-of-insurance-is-best-for-new-drivers</loc>
    <lastmod>2026-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Trust/E-E-A-T Pages -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/about</loc>
    <lastmod>2025-12-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/contact</loc>
    <lastmod>2025-12-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/team</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/editorial-standards</loc>
    <lastmod>2025-12-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Team Profile Pages (Ian McCowan already indexed) -->
  <url>
    <loc>https://ontariotruckinginsurance.ca/team/ian-mccowan</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ontariotruckinginsurance.ca/team/adam-mitchell</loc>
    <lastmod>2026-01-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
