Commercial Transportation Insurance

Transportation coverage for your unique industry.

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Commercial transportation insurance with offices located in Edmonton, Westlock and Drayton Valley, serving the province of Alberta.

If you’re in the commercial transportation industry, choosing the right insurance provider – and the right policy – is critical. We get to know your business and your needs so we can help you get the right coverage.

Providing transportation insurance to carriers in the Edmonton area is one of our specialties. We know that in you’re unique industry the proper coverage is critical. Our experienced brokers want to get to know your business and your needs so we can help you get the right coverage.

For example, if you’re a fleet manager providing regional or in-province less-than-truckload (LTL) trucking services, you need a transport insurance provider that is suited to your unique needs. Insuring freight for cross-continent or cross-border long-haul transport has its own set of challenges.

An experienced broker can help you find the right provider for your individual needs. Whether it’s long haul, regional LTL, intermodal or container-based, we can provide the expertise and insurance solutions that protect and keep your transportation business moving.

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Trucking

Commercial Trucking Insurance

Risk Factor

The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.

Solution

Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.

Garagekeepers and On-Hook

Risk Factor

Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.

Solution

On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.

Bobtail Insurance

Risk Factor

Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.

Solution

Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.

Non-trucking liability

Risk Factor

Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?

Solution

Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.

Trailer Interchange

Risk Factor

There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.

Solution

If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.

Rental Reimbursement With Downtime

Risk Factor

A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.

Solution

Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.

Motor Truck General Liability

Risk Factor

Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.

Solution

Motor truck general liability insurance provides coverage for bodily injury and property damage, medical payments, personal or advertising injury, and other damages caused by the company’s own negligence.

Motor Truck Cargo Insurance

Risk Factor

For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.

Solution

Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.

Physical Damage

Risk Factor

If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.

Solution

Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.

We are one of the only brokers in Alberta that can offer customers the most innovative cargo insurance coverage with broad coverage with flexible deductibles and fewer exclusions with Cargo Secure.

Learn more about why insuring through Cargo Secure protection is an act of care: Exclusive Cargo Secure Program.

With a focus on fleet risk management and specialized claims handling, we will protect your company in both Canada and the United States so your wheels can cross the border and deliver value to your customers.

ALL Insurance is ISNetworld compliant so you can be assured our experts meet the highest qualifications for your safety and peace of mind. We offer a full range of protection, including commercial auto and general liability, motor truck cargo, umbrella/excess liability and ownership coverage.

Let one of our experienced commercial freight insurance brokers help you get out on the road with peace of mind.

Commercial Transportation Insurance Quote Request

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