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Quebec Cargo Insurance 2026: Cargo Protection in Transit

Shipping goods within Canada, the U.S. or internationally? Cargo insurance protects the value of your goods in transit against loss, theft, damage and transportation hazards. At Assur360, our AMF-certified brokers compare offers from 9+ insurers to find the optimal coverage — whether you’re shipping by truck, ship, plane or train, open or closed. Get your cargo quote in 3 minutes.

Cargo in transit — Assur360 insurance

IN BRIEF

Cargo insurance (transport of goods)

Cargo insurance covers goods in transit (land, sea, air) against theft, fire, accident, water. All-risk or named perils coverage depending on the risk profile.

Limits: $50,000 to $1 million per load (truck), up to several million dollars for sea containers. Sensitive goods (electronics, pharmaceuticals, alcohol) are often excluded without a specific amendment.

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Protect the value of your goods in transit

Land, sea, air transit. All-risk or named peril. Annual open policy or one-time trip.

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Why take out cargo insurance in Quebec?

In Canada, the legal liability of the motor carrier is limited to approximately $4.41 per kilogram (Warsaw Convention for air transport: even lower). For most value-added goods, this limit is largely insufficient. Cargo insurance closes this gap and protects your bottom line.

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Land Transit

Truck, rail: all-risk coverage between the warehouse of origin and final delivery, including transshipments and temporary storage.

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Sea Transit

Bulk containers and cargoes: ICC-A (all-risk), ICC-B or ICC-C conditions as required. War and strike coverage available as expansions.

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Air transit

International Express Shipments, Perishable Goods, High Value, Pharmaceuticals: 24/7 Door-to-Door Coverage.

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Annual Open Policy

For regular shippers: all shipments for the year are covered automatically, with monthly reporting. Preferential pricing.

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Unique Trip

For a one-off shipment of high value: premium calculated on a case-by-case basis depending on the route, value and type of goods.

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Customs clearance & import/export

Coverage aligned with Incoterms (EXW, FOB, CIF, DDP). Compliance with Canadian and U.S. customs requirements.

How cargo insurance works — the steps

1

Evaluating your shipping flows

Your broker analyzes your volumes, destinations, modes of transportation and types of goods to recommend open policy or single trip.

2

Determination of insured value

The insured value is usually the invoice value + 10% (ancillary costs). For international flights, the CIF value (Cost + Insurance + Freight) is used.

3

Choice of coverage (all-risk or named)

All-risk (ICC-A) for fragile or high-value goods; Named Peril (ICC-C) for Robust Commodities. Your broker compares 9+ insurers.

4

Policy Issuance and Certificates

Annual policy issued; Insurance certificates issued per shipment for presentation to customs and the consignee (often required for import/export).

5

Monthly Report (Open Policy)

You report the volumes shipped each month; The premium is adjusted annually based on actual volume.

6

In the event of a claim: quick claim

Take a photograph, obtain a letter of reserve from the carrier, notify your broker within 72 hours. Claim based on declared insured value.

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Check your Incoterms before shipping

Incoterms (EXW, FOB, CIF, DDP…) determine who is responsible for insurance at each stage. Shipping FOB without a cargo policy means you carry the risk from the moment it is loaded. Your Assur360 broker checks the consistency between your commercial contracts and your insurance policy.

Indicative cargo insurance rates 2026

%% %
Shipping TypeCommodity ValueAverage RateEstimated Premium
QC Truck → Ontario$50,0000000000000$75 / shipment
QC Truck → USA$100,0000000000$250/shipment
Sea Container (all-risk)$200,00000000.40%$800 / shipment
International Air Freight$50,0000000$400 / Shipment
Annual Open Policy ($2M Theft)$2,000,000/year0.20%≈ $4,000/year
Fragile / high-value goodsVariable0.50% – 1.5%On quote

*Indicative rates 2026. Get your exact price in 3 minutes.

Obligations and legal framework in Quebec

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Limited Carrier Liability — Protect Your Cargo

In Canada, the liability of the motor carrier is capped by the Quebec Transportation Act (RSA) and interprovincial rules. Without separate cargo insurance, a total loss of a $100,000 shipment could leave you with only a few thousand dollars in carrier compensation. For international shipping, the COGSA/Hague-Visby limits are even more restrictive.

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Your cargo deserves real protection

Compare 9+ cargo belays in 3 minutes. Preferential rate for regular shippers.

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Quebec cities served

Our Assur360 brokers support shippers and importers throughout Quebec: Montreal (port and airport hub), Quebec City, Laval, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Gatineau, Thetford Mines and the industrial zones of the South Shore and North Shore. Bilingual service for your exchanges with American and international partners.

Related articles

Frequently Asked Questions — Cargo Insurance

What is cargo insurance?
Cargo insurance covers goods in transit — land, sea or air — against loss, damage or theft. It protects the value of the cargo between the point of origin and the final destination, regardless of the mode of transportation used.
What is the difference between open and closed police?
An open cover automatically covers all shipments for the year with monthly volume reporting — ideal for regular shippers. A closed policy (single-trip) covers only one shipment at a time — suitable for one-time or high-value shipments.
What is all-risk versus named coverage?
All-risk coverage covers all risks except those explicitly excluded (ICC-A standard internationally). The named coverage only covers the perils listed in the contract (fire, collision, upset). All-risk is more expensive but broader — recommended for fragile or high-value goods.
How do I declare the insured value?
The insured value is usually the invoice value + 10% (covers ancillary costs and lost profit margin). For import/export, the CIF (Cost, Insurance, Freight) value is used. Under-declaring exposes you to proportional compensation in the event of a claim.
What is an incoterm and why does it matter?
Incoterms (ICC) define who — seller or buyer — is responsible for freight, insurance, and risk at each stage. The most common: EXW, FOB, CIF, DDP. Depending on the incoterm, you may or may not have to purchase cargo insurance. Your Assur360 broker checks for consistency.
Are goods in the warehouse covered?
Cargo insurance typically covers goods during temporary storage (7 to 60 days depending on the policy) in transit. For extended storage, separate commercial storage insurance is required.
What are the typical exclusions of a cargo policy?
Frequent exclusions: inherent defect of the goods, inadequate packaging, pure delay in delivery, war/terrorism (except extension), smuggling, indirect consequential losses. Some types of goods (works of art, cash, precious metals) require specific extensions.
How long does it take to report a cargo claim?
Ideally within 24 to 72 hours of the damage being discovered. Keep the packaging, take a photo of the damage, obtain a written report from the carrier (letter of reservation) and notify your broker immediately. Too long a delay can jeopardize your claim.
Do I need cargo insurance if the carrier is already insured?
Yes. The carrier’s legal liability is capped (~$4.41/kg in Canada under the Convention) — largely insufficient for most goods. Cargo insurance closes this gap and covers the true value of your belongings.
How much does cargo insurance cost in Quebec?
The fare varies according to the value, the type of goods, the mode of transport and the destination. Expect to pay between 0.10% and 1.5% of the insured value per shipment. For a recurring annual volume, an open policy offers better rates. Get your exact price via our business quote in 3 minutes.

Why trust Assur360?

✓AMF (Autorité des marchés financiers) certified firm
✓ Brokers who are members of the ChAD
✓More than 100,000 submissions processed
✓Network of 13 brokerage firms in Quebec
✓Independent of any insurer
✓9+ insurers compared in 3 minutes

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