Trucking & transport insurance
Road transport is at the heart of Quebec's economy. Every day, thousands of businesses haul freight across Quebec, Canada and the United States. Whether you are an owner-operator, a regional carrier or the manager of a truck fleet, your business is exposed to significant risks.
Up to 20% in savings on your transport insurance when you work with an independent broker.
- Free quote
- No obligation
- Several insurers compared
- Owner-operators
- Trucking
- Commercial fleets
- Local transport
- Long haul
- Specialized freight
- Bulk hauling
- Delivery
- Moving
- Containers
- Machinery
- Refrigerated
Which transport businesses can we insure?
We support a wide variety of businesses operating in the transport sector. Thanks to our access to several specialized insurers, we can compare different solutions based on your line of business, your fleet and the goods you haul.
- 01
Owner-operators
You own your own truck and work for different contractors? We can help you find insurance suited to your activity.
- 02
Trucking companies
Whether you run a fleet of two vehicles or several dozen trucks, we can support you in finding suitable coverage.
- 03
Commercial fleets
Businesses with several trucks, trailers or utility vehicles have particular needs when it comes to insurance and risk management.
- 04
Local transport
Businesses making deliveries or hauling within a single region have different needs from those covering long distances.
- 05
Long-haul transport
Businesses travelling across Canada or the United States often have to meet specific insurance requirements.
- 06
Specialized freight
Some businesses haul goods that require particular protections. For example:
- heavy machinery
- construction materials
- industrial equipment
- food products
- refrigerated goods
- raw materials
- vehicles
- farm equipment
- 07
Bulk hauling
Businesses specialized in hauling sand, gravel, soil, asphalt, stone or other materials may require protections tailored to their activities.
- 08
Delivery businesses
Businesses making commercial or residential deliveries often use vans or commercial vehicles that require specific insurance.
- 09
Moving companies
Moving carries particular risks tied to hauling clients' belongings. Suitable protection is essential to protect your business.
- 10
Container transport
Hauling shipping containers often involves high-value goods and requires coverage suited to the risks involved.
- 11
Machinery transport
Businesses specialized in hauling heavy, farm or industrial machinery can benefit from protections tailored to this type of activity.
- 12
Refrigerated transport
Businesses hauling food, medication or other temperature-controlled products present particular risks.
What can transport insurance cover?
Every business has its own needs. Available protections vary depending on the insurer and the activities carried out.
↳Every business is different. That is why we take the time to analyze your reality in order to propose coverage that matches your needs.
- 01
Trucks
Your vehicles are among the most important assets of your business. Insurance can protect them against:
- +collision
- +rollover
- +fire
- +theft
- +vandalism
- +glass breakage
- +certain weather events
- 02
Trailers
Trailers can also be insured depending on their use and their value.
- 03
Cargo
When you haul your clients' goods, their value can be very high. Cargo insurance can protect the goods in transit depending on the protections chosen and the terms of the policy.
- +food products
- +construction materials
- +machinery
- +furniture
- +industrial equipment
- +general freight
- +manufactured goods
- +farm products
- 04
Liability
Even with the best practices, an accident can happen. Liability coverage protects your business when it is held responsible for bodily injury or property damage caused to a third party in the course of its activities.
- 05
Equipment
Several pieces of equipment can also be insured depending on your business needs:
- +cranes
- +tailgate lifts
- +winches
- +forklifts
- +tools
- +specialized equipment
- +refrigeration systems
- 06
Buildings
If your business owns a garage, a mechanical shop, a warehouse or a terminal, those buildings can also be insured.
- 07
Business interruption
A loss can shut your business down for several days or several weeks. Certain protections help limit the financial consequences of an interruption to your activities.
Why choose a broker specialized in transport?
Transport is one of the most specialized sectors in commercial insurance. Several factors influence the protections available:
- 01the type of goods hauled
- 02the value of the loads
- 03the territories served
- 04the states or provinces visited
- 05the number of drivers
- 06the claims history
- 07driver experience
- 08the value of the vehicles
- 09annual mileage driven
- 10the size of the fleet
Not every insurer accepts the same risks. Our role is therefore to analyze your business and compare several markets in order to find the solution that best fits your reality.
Why Houle & Godin Assurances
- Access to several specialized insurers
- Personalized service
- Full analysis of your business
- Support in case of a claim
- Solutions suited to owner-operators and commercial fleets
- Service offered everywhere in Quebec
Frequently asked questions
Whether you are an owner-operator, a delivery business, a specialized carrier or a fleet manager, we help you find insurance suited to your activities.
Yes. Whether you are an owner-operator or you run a full fleet, we can analyze your needs.
Yes. Depending on your activity, cargo insurance can be added to protect the goods in transit.
Absolutely. We support businesses with a few vehicles as well as much larger fleets.
Yes. Several insurers offer protections suited to cross-border transport, depending on the type of activity and the territories served.
Yes. Every file is analyzed individually in order to find an insurer matching your line of business and your level of risk.