4 things to know
before you buy
trucking insurance.
Your truck is part of your livelihood. A few good questions now can help you understand what you’re paying for, and what happens when you need it.
Your coverage needs
to follow your routes.
Start with where your business is based and where you actually drive. A local delivery route and a cross-border haul can raise different insurance questions.
In Canada, commercial vehicle requirements involve provincial or territorial rules. In the U.S., FMCSA insurance filings may apply to your operating authority. Your cargo and vehicle type also matter.
A good question to ask“Does this policy cover every place I operate, and which filings do I need?”
Tell the whole story
of what you haul.
“I drive a truck” is a starting point. An insurance professional also needs to understand the vehicle, the loads you carry and how your business works.
Bring details about your equipment, cargo and routes. Ask how driver experience and claims history affect the options available to you. If your work changes, check whether your coverage needs to change too.
A good question to ask“Are my truck, trailer and the goods I carry covered in the way I expect?”
A good fit starts
with your operation.
Different insurers consider different kinds of trucking businesses. A new operation, specialized cargo or a change in routes may call for a more detailed conversation.
Be clear about your driving history and how long the business has operated. Then compare the actual terms: limits, deductibles and exclusions. A lower price alone doesn’t tell you what a policy will do.
A good question to ask“What makes this policy suitable for my business, and what won’t it cover?”
Start with
what fits you.
Ask about the details.
Take time to compare.
Your questions.
Ask what happens
when the truck stops.
A truck off the road can disrupt your work. Before you choose a policy, ask how to report a claim, who will help you and what information they’ll need.
Ask specifically about towing, repairs, replacement equipment and lost income. Don’t assume those costs are included: coverage depends on the policy and the cause of the loss.
A good question to ask“If my truck is out of service after a covered loss, which costs would this policy pay?”
A plan worth
talking through.
Know the claims contact.
Ask about records and documents.
Check limits and out-of-pocket costs.
Tell us about
your trucking business.
We’ll review your request to help connect you with an insurance professional for your needs and location. Start with a few details about your operation.
Find my trucking coverageNo obligation to buy. No guaranteed match or quote.A few questions
about your operation.
Your location, driving experience, business and current coverage. That’s where we’ll start.
Let’s get started