COMMERCIAL TRUCKING INSURANCE
We Protect your Cargo as well as Your Vehicles.
We can offer various Commercial Transportation Insurance protection for trucks and trailers of all sizes.
We offer Commercial Trucking Insurance from Single Truck to an Entire Fleet. We present coverage options, including Long Haul Trucking for customers transporting non-owned cargo, operating more than 160 km within Canada and the United States.
Our experienced team will tailor Insurance Solutions to your unique needs. We work with Canada’s largest Commercial Trucking Insurance Providers. We understand just how critical vehicles are to your business and can help control your insurance costs.We offer Trucking Insurance from a Single Truck to an Entire Fleet, We will recommend the coverage options to our transportation customers with competitive pricing.
We can offer
Customized Fleet Package
Commercial General Liability
Cargo Liability Insurance
Physical Damage Insurance
Umbrella & Excess Liability
Freight Forwarder’s Errors & Omissions
We can provide you our best possible quote
Please email and Include
CVOR level 2 abstract
Each individual driver’s MVR and CVDR abstracts
Loss history for last 3 or more years from insurance company
Fuel tax report for each quarter of the year for long haul operations
Type of cargo hauled
Benefits of Commercial Trucking Insurance
- Trucking insurance solution specifically designed for common and contract carriers for fleets transporting goods for others across North America
- Radius of operation greater than 160 km (Class 62, 63, 64 & USA Exposures)
- Commercial Trucking Insurance with Unlimited U.S. exposure
- Commercial Trucking Insurance Package Policy (10+ units)
- Commercial Trucking Insurance Package policy(Motor Carrier +™) available, (Auto, Cargo, CGL) under 1 policy, filed rates and rules apply
- Long Haul Commercial Trucking insurance
- US filings available for those carriers hauling cross border to the United States.
- Commercial Trucking Insurance policy tailored and Customized to your needs
Smaller fleets are as important as larger fleets to us
Key Loss Prevention Processes to Include in your Plan are:
Preventing Cargo Losses
The first step is to develop and implement a written corporate-wide plan for the prevention of cargo losses. To ensure success, a specific individual must be assigned direct responsibility for implementation and maintenance of the policy and its associated procedures. Procedures should be in place to address the hiring of drivers, testing of drivers, and annual review of qualifications.
Truck, trailer and cargo theft is a serious problem for the trucking industry. Losses in North America are significant and are rising: Canadian losses are estimated to be more than $5 billion alone.
Even the best developed and comprehensive guidelines and policies will require review and adjustment, as terminal, fleet, type of equipment, commodities hauled and number of employees fluctuates. For business owners, the benefits of establishing loss prevention measures will ultimately provide lower employee turn over, higher customer satisfaction and retention due to less cargo thefts, and/or damage, and less downtime due to equipment wear and tear.
Theft losses not only include the cargo, but may also include the loss of the semi- tractor and trailer unit carrying the cargo. Injury to or endangerment of the driver is also possible, as well as the intangible costs attributed to a dissatisfied customer whose property has been stolen and then potentially illegally distributed. In addition to theft related losses, significant losses can also arise from improper cargo securement and vehicle related accidents.
Regardless of the size of the fleet, there are numerous measures and best practices that can be implemented to reduce the potential for losses.
Leon Levi (R.I.B LLQP)
Commercial Insurance Account Executive
INSUREIT GROUP INC
800 Denison St, Suite 200
Markham, Ontario L3R 5M9
• Employment records and criminal background checks should be verified for all employees, not just drivers.
• Annual training in theft prevention should be provided.
• Annual professional defensive driving courses should be taken.
• Employees should be aware that theft and dishonesty will not be tolerated.
• A minimum age requirement for drivers should be established, such as 25.
• A minimum level of experience should be required.
• At the time of hire, all drivers must provide a current driver abstract along with a completed accident and violation
disclosure form. A driver abstract should then be provided annually.
• A road test with a written evaluation should be conducted.
• All drivers should be qualified or provided with the appropriate level of training for the specific type of equipment
• All qualifications should be kept on file and reviewed annually.
• Implement a bonus or incentive program for drivers that remain accident free.
• Accidents and cargo losses should be reviewed with the purpose of determining the cause and identifying areas
that could be improved.
All drivers should be provided with training in the proper
methods and procedures for securing cargo loads, particularly
on flat decks or less-than-truckload loads in vans.
2) All drivers should be provided with training on the operation of
reefer units for temperature controlled loads.
3) Do not preload high value cargo and then leave it unattended for
ON THE ROAD
- Establish an anti-hijacking policy with associated procedures. The policy should include a statement that drivers are not allowed to have any passengers in the vehicle.
- Ensure vehicles are to be locked at all times, using quality locks.
- Require drivers to lock the power unit and remove the keys when the unit is left unattended.
- Drivers should not discuss the freight, its value, or destination with anyone while on route.
- Avoid routes known to have high criminal activity.
- Consider giving loads that are particularly high in value or that contain high target items to team drivers to provide additional security
- Ensure drivers are completing pre and post trip vehicle inspections.
- Establish a program for reporting and repairing vehicle defects.
- Inspection, repair, and maintenance records should be kept on all equipment.
- Have procedures in place to replace and update the fleet on a regular basis, removing older equipment from service as necessary.
TERMINAL / YARD FACILITIES
- Ensure all paperwork is properly secured and not left in full view of third parties.
- Establish a procedure to restrict the access of strangers and / or visitors to the property and have the conditions for entering and leaving the property prominently displayed.
- Install surveillance equipment and / or provide security personnel on site.
- Encourage employees to question any stranger on the property as to what their purpose is and why they are there.
- Ensure the yard is properly secured using chain link fence of nine gauge materials and that is at least eight feet high and topped with barbed wire.
- Provide the terminal and yard with adequate lighting that is designed to light the complete terminal property with few shadows.
- Establish a policy for parking loaded trailers in the yard either adjacent to the loading dock or back to back.
- Use king pin locks on loaded trailers.
- Ensure cargo doors are locked and secured on loaded trailers
- Private vehicles should be separated from the commercial vehicle parking and loading areas.
- Establish a policy requiring every vehicle to obtain permission to leave the property
- Frequently conduct yard searches (24 hours/day and 7 days per week) including an inventory of the fleet
General Submission Guidelines
1)Recent CVOR Level II (Commercial Vehicle Operators Record) – if currently under own authority
2)Recent MVR’s & CVDR’s (drivers abstract and commercial drivers abstract) for all drivers, including the owner
3)Fuel tax for a minimum of 1 quarter must be attached if Insured travels into the United States
4)Former employer experience letters (with losses noted) must be attached if the Insured was not running under his own
5)Confirmation of Loss History from prior Insurer must be attached if the Insured has held prior insurance in his name
6)CVOR number must be provided on application (if issued)
7)MC # & DOT must be provided if there is US exposure (if issued)
8)Complete cargo description with breakdown and values must be provided
9)Full vehicle list with VINS and full drivers list must be provided.
10)Articles of Incorporation
11)Vehicle Ownerships will be required for binding.