Transportation Insurance in Ontario, Canada

Keeping Goods and Business Moving Safely

The transportation industry is the backbone of Ontario’s economy — but it also carries unique risks. From accidents on the road to cargo losses, a single incident can have a big financial impact. At Solutions Insurance Group, we provide tailored transportation insurance to protect your vehicles, cargo, and liability.

🔎 What Is Transportation Insurance?

Transportation insurance is a specialized form of commercial insurance designed for businesses in trucking, shipping, logistics, and delivery. It protects against losses related to vehicles, drivers, and the goods being transported.

Coverage may include:

• 🚚 Fleet & Commercial Auto Insurance – Protects trucks, vans, and delivery vehicles
• 📦 Cargo Insurance – Covers loss or damage to goods in transit
• ⚖️ General Liability – Protection if your business is held responsible for injury or property damage
• 🏗️ Garage/Terminal Coverage – Protects goods stored at depots, yards, or warehouses
• 💼 Legal Costs – Covers defense and settlement expenses

📝 Is Transportation Insurance Mandatory in Ontario?

Yes — certain coverages are required by law:

• Liability Insurance – Every commercial vehicle in Ontario must carry at least $200,000 liability coverage (most trucking operations carry $1M–$2M).
• Cargo Insurance – If transporting goods for hire, cargo coverage is often required by contracts, shippers, or regulators.
• US Cross-Border Requirements – If operating into the United States, higher liability limits and federal filings (such as ICC filings) may be mandatory.
•  

🌟 Optional Transportation Coverages

Businesses can add extra protection based on their operations:

• Physical Damage Coverage – Repairs or replaces your trucks after collisions, theft, or fire
• Business Interruption – Covers lost income if operations are halted due to a covered loss
• Non-Owned Trailer Coverage – Protects trailers you don’t own but use in operations
• Environmental Liability – Covers clean-up costs if your vehicle causes a fuel/oil spill
• Workers’ Compensation Alternatives – Protection for drivers and employees.
•  

🌟 Who Needs Transportation Insurance?

• Trucking companies (long-haul & local)
• Delivery & courier businesses
• Logistics and freight forwarding companies
• Moving companies
• Contractors with fleets of work vehicles

🛡️ Why Choose a Broker for Transportation Insurance?

Transportation insurance is complex, with strict requirements and high risks. Our brokers:

• ✅ Ensure compliance with Ontario and cross-border regulations
• ✅ Compare coverage options from top commercial insurers
• ✅ Tailor protection for fleets, cargo, and industry-specific needs
• ✅ Help reduce costs with risk management strategies.
•