Paul Lemmon

Paul Lemmon serves as President and CEO of All-Risks Insurance Brokers, one of Ontario's largest insurance brokerage networks with 74 locations spanning the province. Together with Kim Lemmon, Paul leads this 70-year-old institution from its Windsor headquarters—strategically positioned at the foot of the Ambassador Bridge, North America's busiest commercial border crossing.

All-Risks Insurance's Windsor location processes insurance for thousands of trucks crossing between Canada and the United States daily. This unique positioning has given Paul and his team unparalleled expertise in the complexities of cross-border trucking insurance, including bi-national liability coverage, US DOT compliance, customs bonds, and the intricate regulatory requirements of operating in both countries.

Paul's specialty in US cross-border insurance addresses one of the most challenging niches in commercial trucking coverage. Canadian truckers entering the United States must navigate a maze of federal and state regulations, carry specific insurance endorsements, and meet FMCSA (Federal Motor Carrier Safety Administration) requirements. Paul's expertise helps Canadian trucking operations establish compliant cross-border programs without coverage gaps.

The Ambassador Bridge corridor sees over 10,000 commercial vehicles daily, carrying billions of dollars in trade between Canada and the United States. Paul's intimate understanding of this trade route—and the unique risks it presents—makes him an invaluable resource for trucking companies whose livelihoods depend on seamless cross-border operations.

Paul's contributions to Ontario Trucking Insurance focus on helping truckers understand the complexities of operating across international boundaries. From explaining the differences between Canadian and US liability requirements to navigating cabotage restrictions, Paul provides practical guidance for truckers looking to expand into cross-border freight.