Who we can help
A closer look at your exposure.
Fleet operators, owner-operators, carriers, warehouse operators and temperature-controlled storage businesses.
Vehicle liability, responsibility for cargo and damage to goods in your care are different exposures. Operating radius, U.S. trips, contracts and the type and value of freight shape the insurance discussion.
What to discuss with your broker
Fleet & commercial auto
Review vehicle use, driver experience, operating territory and physical damage values.
Motor truck cargo
Discuss commodities, maximum loads, theft controls, unattended vehicles and any excluded goods.
Warehouse liability
Review your legal responsibility for customers’ goods, storage agreements and handling operations.
Cold-chain interruption
Consider spoilage, refrigeration breakdown, temperature monitoring and recovery arrangements.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Vehicle and driver schedules with experience and driving records
- Operating radius, territories, kilometres and U.S. exposure
- Commodities, maximum cargo values and customer contracts
- Storage details, temperature controls and claims history
A question worth asking
Is cargo automatically protected by vehicle insurance?
A commercial auto policy and cargo insurance address different risks. Review both the freight contract and your cargo terms, especially for high-value, refrigerated or unusual loads.