Transportation and trucking insurance for Quebec businesses

In Quebec, vehicles used on the road must be insured. For trucks and commercial vehicles, the insurance should reflect business use, vehicle type, drivers, territories, and the way the vehicle supports your operations.

Depending on your activities, other requirements may also apply. Public carriers, for example, may need to meet specific coverage or filing requirements to obtain or maintain operating authority. Contracts with clients, shippers, or logistics partners may also impose minimum insurance limits.

Clients and shippers may also ask for minimum general liability, cargo, or carrier liability limits before awarding contracts. A broker can help you review what is mandatory, what is contractual, and what is prudent for your specific operations.

These two coverages address distinct situations and complement each other.

• Carrier liability usually deals with your responsibility as a carrier when goods or transportation services are involved.
• General liability is different. It may respond when someone alleges bodily injury or property damage connected to your premises or operations, such as an injury in your yard or damage caused during loading.
• Cargo insurance addresses eligible goods in your care during transportation, loading, unloading, or temporary handling, depending on the policy. It can be especially important when you transport merchandise, equipment, temperature-sensitive goods, high-value cargo, or property belonging to clients.

In many cases, these coverages are reviewed together so the insurance program matches the way your transportation business actually operates.

It depends on the policy and the facts of the theft. Cargo insurance may respond to theft of goods during transport, including during a stop, but conditions often matter.

For example, some policies include requirements around locking, approved parking, alarms, temperature monitoring, or constant surveillance. If those conditions are not met, compensation may be limited or denied.

Your broker can review these conditions with you before you rely on the coverage.

Cross-border operations should be reviewed before vehicles leave the province. A carrier running into another province or into the United States may face different contract requirements, filings, limits, insurer appetite, and claims handling realities. In particular, US operations often require more careful consideration, as not every insurer is comfortable with cross-border transport.

Your policy should clearly state the territories where your vehicles operate. A Quebec-based policy may not automatically reflect interprovincial or U.S. operations, and Canada-wide coverage does not necessarily mean U.S. trips are included.

If your drivers make occasional or regular trips outside Quebec, disclose this before the quote is issued. It can affect the insurer’s rating, limits, forms, certificates, conditions, and whether coverage applies to those operations.

You can request a quote by phone or through the online form. There is no obligation, and the first step is simply helping us understand how your transportation business operates.

To make the discussion more useful, have your operation description, vehicle list, driver details, territories, cargo types, contracts, required limits, current policy, and recent claims information available if possible.

A La Turquoise broker can help you compare options, identify important coverage gaps, and prepare a clearer file for insurers.