Commercial Trucking Insurance
Your trucks are the lifeline of your business—moving goods, meeting deadlines, and keeping operations running smoothly. But with every trip comes risks: collisions, cargo damage, theft, and costly liability claims. Without the right coverage, one incident could halt operations and threaten your bottom line.
Commercial truck insurance gives you the peace of mind to focus on your business, not the risks on the road.
At KASE Insurance, we design commercial truck and transportation insurance policies that protect your vehicles, drivers, and cargo, whether you operate a single semi truck or an entire commercial fleet.
What is Commercial Trucking Insurance?
Commercial truck insurance, also referred to as heavy truck insurance or commercial truck and trailer insurance, is a specialized policy designed for trucking businesses.
It protects against a wide range of risks in the transportation industry, including collisions, theft, cargo damage, liability claims, and downtime-related losses. This type of insurance is essential for both private carriers and for-hire commercial fleet operators.
As part of your broader business insurance strategy, this coverage can also complement transportation insurance for companies that manage diverse fleets or multiple transportation modes.
We customize every commercial truck insurance policy to fit your organization’s size, routes, and risk profile, because no two trucking companies face the exact same challenges.
Why is Commercial Trucking Insurance Important?
The trucking industry is the backbone of Canada’s supply chain, moving billions of dollars in goods every year. But with long distances, valuable cargo, and unpredictable road conditions, your risk exposure is high. Commercial trucking insurance helps protect your business from:
Accidents & Collisions
Covers injury, property damage, and repair costs after a vehicle crash.
Liability Claims
Liability coverage includes legal costs, settlements, and damages if your truck causes injury or property damage.
Cargo Loss or Damage
Pays for goods lost, stolen, or damaged in transit.
Theft & Vandalism
Protects your vehicles, trailers, and cargo against criminal acts.
What Does Commercial Truck Insurance Cover?
While each commercial trucking insurance policy is customized, common protections include:
- Commercial Truck Liability: Public liability is the foundation of most transportation insurance policies, covering third-party bodily injury or property damage resulting from an accident caused by your truck or driver.
- Physical Damage Coverage: Pays to repair or replace your vehicle after a collision, theft, vandalism, fire, or other covered event—whether your truck is moving or stationary.
- Cargo Insurance: Protects the goods you’re hauling from theft, spoilage, or damage in transit. This is especially important for high-value or sensitive cargo. Learn more.
- Uninsured or Underinsured Motorist Coverage: Covers your losses if another driver causes an accident but doesn’t have adequate insurance to pay for the damages.
- Downtime and Rental Reimbursement: Provides financial support while your vehicle is out of service due to a covered event, helping you stay on schedule.
- Trailer Coverage: Extends protection to attached or owned trailers.
- Reefer Breakdown Coverage (optional): If you operate refrigerated trucks, this protects against spoilage caused by equipment failure or temperature fluctuations.
Our trucking insurance brokers will help you identify what’s essential based on your vehicle type, routes, cargo, and business model. We’ll find the best insurance providers who can meet your needs.
Image Source: Canva
Types of Insurance Trucking Companies Should Have
A commercial truck policy is just one part of a strong protection plan. Many fleet managers and owners benefit from supplementary insurance coverage. Layering the right insurance products helps close coverage gaps, improves risk management, and provides added security for evolving legal liabilities.
Trucking General Liability Insurance
Covers injuries or property damage that occur off-road, such as at your office, during loading or unloading, or non-driving activities. This comprehensive coverage addresses exposures beyond the vehicle, complementing your trucking liability policy.
Commercial Fleet Truck Insurance
For businesses operating five or more trucks, fleet insurance simplifies administration and potentially lowers premiums. It’s ideal for growing companies with multiple truck drivers operating courier services or last-mile deliveries.
Professional Liability Insurance
While often associated with consultants or advisors, professional liability insurance can also benefit trucking businesses offering logistics planning, dispatching or freight brokering services. It protects against claims of negligence, errors, or contract breaches tied to your professional advice or services.
Business Interruption Insurance
Covers lost income and operating expenses if a covered event, such as an accident, theft, or fire, forces your trucking business to temporarily halt operations, helping you recover financially while getting back on the road.
Pollution Liability Insurance
Provides coverage for cleanup costs, legal fees, and third-party damages if your trucking operations cause environmental harm, such as fuel leaks, oil spills, or hazardous material releases, helping your business stay compliant and financially protected.
At KASE Insurance, we offer a free quote to help you secure the best price on a complete coverage portfolio—tailored to your routes, cargo, regulatory requirements, and operational complexity—so nothing is left unprotected.
Who Needs Heavy Truck Insurance?
Any business that owns or operates heavy trucks, semi-trucks, or specialty commercial vehicles should have a trucking-specific commercial transportation insurance policy. This includes:
If you transport materials such as sand, gravel, lumber, or consumer goods, long-haul trucking insurance helps protect your assets across provinces and borders.
Commercial food truck insurance covers short- and medium-distance deliveries. Specialty insurance, like reefer breakdown covers refrigerated trucks from liabilities with temperature-sensitive cargo.
Specialty haulers within construction sites that use dump trucks, concrete mixers, and other specialized equipment require coverage both on and off the job site.
Even if you operate just one truck, you’re still exposed to the same risks as large fleets. Get affordable, tailored protection for independent drivers.
Why Choose KASE Insurance for Commercial Truck Insurance in Ontario
KASE Insurance is an award-winning commercial insurance brokerage that understands the trucking industry inside and out. From local haulers to long-haul fleets, we work with trucking businesses across Ontario to deliver smart, cost-effective insurance coverage. As an independent trucking insurance brokerage, we:
- Compare rates from top commercial truck insurance companies in Canada
- Customize coverage for your routes, cargo types, and operating size
- Handle claims directly, pushing for fast, fair settlements
- Provide transparent, unbiased advice every step of the way
Ready to get started? Get a free quote today and discover why businesses across Ontario trust KASE Insurance.
GET A FREE COMMERCIAL TRUCK INSURANCE QUOTE
Frequently Asked Questions
In Ontario, commercial truck insurance requirements depend on your vehicle type, cargo, and whether you operate within or outside the province. At a minimum, most operators must carry:
- Third-party liability insurance (at least $200,000, though most carriers opt for $1–5 million)
- Cargo insurance (if hauling goods)
- Commercial auto insurance for any business-owned trucks
- U.S. operating authorities and related insurance (if crossing into the U.S.)
Specific requirements may also be set by clients, freight brokers or government regulators. Our trucking insurance brokers can help you understand what’s mandatory and what’s recommended based on your operations.
On average, heavy truck insurance for a single commercial truck in Ontario costs anywhere from $2,000 to $10,000 per year. Long-haul or cross-border operations typically pay more due to added risk. KASE Insurance compares quotes from top providers to find the best rate for your needs.
Yes. Even if you own and operate just one commercial truck, you’re still legally required to carry proper insurance. That includes liability coverage, as well as cargo and physical damage coverage, depending on your service type. KASE Insurance specializes in helping owner-operators secure affordable, tailored protection.
KASE Insurance provides commercial truck and trailer insurance for a wide range of vehicles, including:
- Semi-trucks and long-haul rigs
- Box trucks and delivery vehicles
- Dump trucks and construction vehicles
- Tankers and flatbeds
- Food trucks and refrigerated vehicles
Commercial truck insurance typically does not cover intentional damage, wear and tear, or personal use of the vehicle unless explicitly stated in your policy. Goods such as explosives, pharmaceuticals, or high-value electronics may also require separate liability coverage or additional underwriting. Our team will flag any exclusions so there are no surprises.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars