Business Insurance
Trucking Insurance
Trucking insurance (also called commercial trucking insurance or motor carrier insurance) is one of the toughest classes to place. Many brokers don't touch it. We're trucking insurance specialists, headquartered in Edmonton with brokers in Calgary, and we've built our practice around Alberta's transportation industry over more than two decades. We get quotes you can actually use, not declines, whether you're an owner-operator running your own authority out of Edmonton or a multi-province fleet hauling cross-border from Calgary.
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Who we cover
From the Alberta owner-operator with one truck to multi-province fleets running cross-border out of Edmonton and Calgary, the structure of your policy changes a lot depending on what you haul, how far, and who's behind the wheel.
- Owner-operators (single truck, leased to a carrier or running your own authority)
- Small (2-5 truck), mid-size, or large fleets
- Long-haul Canada and Canada-US runs (FMCSA filings handled)
- Local and regional hauling, including last-mile
- Dangerous goods / TDG-classified loads
- Specialty: livestock, bulk, vac trucks, water trucks, oilfield
- For-hire and private carriers
- Hot shot operators and expedited freight
- Refrigerated freight and temperature-controlled hauling
- Heavy haul, wide load, and oversized cargo
What's typically included
Most fleets carry a layered policy. The base liability + cargo + physical damage gets you legal. The endorsements are where coverage actually pays out when something goes wrong.
- Commercial auto liability (primary, including US filings if needed)
- Cargo coverage with named perils or all-risk options
- Physical damage on tractors and trailers
- Non-trucking liability (bobtail) for leased operators
- General liability for the business itself
- Trailer interchange and downtime coverage
- Garage and repair shop coverage if you maintain in-house
- MCS-90 endorsement for US-bound operations
- Pollution liability for hazardous loads and oilfield work
- Freight brokers professional liability (if you broker loads)
- Towing and roadside assistance for breakdowns on the road
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What moves the premium
Trucking rates are driven by exposure, claims history, and how the underwriter views your operation. A clean abstract, consistent operating territory, and Alberta base plates can save thousands per truck per year.
- Radius of operation (local vs. long-haul vs. US)
- Commodity hauled and value per load
- Driver experience and MVR (Motor Vehicle Record) abstracts
- Claims history in the last 3-5 years
- Equipment age, value, and maintenance program
- Number of power units and trailers
- Percentage of revenue from cross-border US operations
- CVOR / NSC safety profile and CAB report
- Driver retention and turnover rate
- Province of base plates and operating jurisdiction
Ready for a quote on trucking insurance? Talk to a real broker who specializes in it.
Frequently Asked Questions
How Much Does Commercial Trucking Insurance Cost?
Premiums for commercial trucking insurance are calculated based on the size of your fleet, what you haul, and the operating risk profile of your drivers. The biggest factors that move the price:
- The number of drivers & vehicles being insured
- Drivers history & claims experience
- The type & value of cargo being hauled
- Where the business is being operated
What will my Commercial Trucking Insurance cover?
A standard commercial trucking policy bundles multiple coverages so you're protected on the road, in the yard, and at every stage of the load. Coverage typically includes:
- Primary Liability
- Non Trucking Liability
- Physical Damage Collision & Comprehensive
- Combined Deductibles & Gap Coverages
- Towing Coverages
- Hired auto
- Non-owned Auto
- Specified Perils
- Many More
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What is an MCS-90 endorsement and when do I need one?
The MCS-90 is a US Federal Motor Carrier Safety Administration (FMCSA) endorsement attached to a commercial auto liability policy. It's a public-protection guarantee — the insurer pays third-party bodily injury and property damage claims even if the underlying coverage doesn't apply, and then collects from the motor carrier afterwards. Any Canadian trucking operation running into the US for hire (including most Alberta carriers crossing into Montana, Idaho, or Washington) needs FMCSA operating authority and the MCS-90 endorsement filed with the federal government before crossing the border.
- Required for any Canadian carrier hauling into the US for hire
- Filed with the FMCSA as proof of financial responsibility
- Minimum $750,000 USD for general freight, $1,000,000 USD for hazmat
- We handle US filings (BMC-91, MCS-90) for cross-border operations out of Edmonton and Calgary
- Some private carriers and intrastate-only US operations may be exempt
What's the difference between Cargo Insurance and Commercial Auto Liability coverage?
Commercial Auto Liability covers third-party bodily injury and property damage you cause while driving — hitting another vehicle, damaging someone's fence, injuring a pedestrian. Cargo Insurance covers the freight itself — the load you're hauling — against theft, damage, water, fire, refrigeration breakdown, and collision. They're two completely separate coverages. A loaded reefer that rolls in a ditch needs Liability for the road damage, Physical Damage for the truck, and Cargo for the spoiled load.
- Liability: pays third parties when you cause damage with the truck
- Cargo: pays for damage to the load itself in your care
- Physical Damage: pays for damage to your truck and trailer
- All three are separate and most fleets carry all three
- Cargo can be written named-peril (basic) or all-risk (broader, more expensive)
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
How does trucking insurance work in Alberta?
Alberta trucking insurance is written through commercial brokers, not direct from the province, and underwritten by specialty commercial carriers. What's specific to Alberta: most fleets run a mix of intra-Alberta hauling and interprovincial runs into BC, Saskatchewan, and the US, which changes how the policy is filed and rated. Oilfield, hot shot, heavy haul, and crane operations are concentrated here, and the carriers we work with know those exposures. We're headquartered in Edmonton with brokers in Calgary, and we write Alberta-plated trucks running anywhere in Canada or the US.
- Alberta trucking insurance is written through private commercial brokers
- Most Alberta fleets carry intraprovincial, interprovincial, and/or US authority depending on operation
- Oilfield, hot shot, heavy haul, and crane work are common Alberta specialties
- We're based in Edmonton with brokers in Calgary
- We write Alberta-plated trucks running anywhere in Canada or the US
Still have questions? We'll quote it, explain it, and let you decide.
Who Needs Commercial Trucking Insurance?
With over 24 years of experience in insuring truckers, we insure all aspects of the trucking industry. Whether you own a fleet of 100 trucks or are an independent owner operator, we're going to work with you side by side as your business partners to offer you the best insurance premiums and lowest costs on your trucking insurance. We've insured more than 1,000 truckers across Alberta and Canada, from owner-operators based in Edmonton and Calgary to multi-province fleets running cross-border. Some of the truckers, trucks, and cargo we've insured:
- General Freight
- Dangerous Goods
- Canada & US Hauling
- Fuel Haulers
- Freight Brokers Professional Liability
- Local Hauling
- Short & Long Haul
- VAC Trucks
- Water Trucks
- Car Haulers
- Livestock
- Bulk Hauling
- Wide Loads
- Sand & Gravel
- Truck Warehousing
- Semi-Trucks & Big Rigs
- Tractor-Trailers
- Box Trucks & Cube Vans
- Cargo Vans & Cutaway Vans
- Flatbed & Flat-Deck Trailers
- Step-Deck & Lowboy Trailers
- Refrigerated Trucks (Reefers)
- Tank Trucks & Tankers
- Dump Trucks & Gravel Trucks
- Tow Trucks & Wreckers
- Heavy Haul & Wide Load Trucks
- Hot Shot Services
- Crane & Rigging Operations
- Oilfield Equipment & Services
- Snow Plows & Sanders
- Logging Trucks
- Concrete Mixer Trucks
- Chartered Coach & Bus Lines
Other Insurance We Offer
We're partners with over 120 Canadian insurance providers and cover the full range of personal and commercial insurance. If you need it, we likely write it.
Business Insurance
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