Are you transporting hazardous materials — fuel, chemicals, gases, explosives, toxic waste? The federal TDG Act imposes a strict framework and increased insurance requirements. At Assur360, our AMF-certified brokers specializing in commercial transportation compare 9+ insurers to find you a TDG policy adapted to your classes (1 to 9), your fleet and your destinations — QC, Canada and USA. RC from $2 million to $25 million, pollution coverage, decontamination and emergency response plan.
IN BRIEF
Transportation of Dangerous Goods Insurance
The transportation of hazardous materials (TDGs) — fuels, chemicals, compressed gases — requires environmental liability (often $5 to $10 million) and pollution/clean-up coverage.
Compliance: TDG-certified drivers, Emergency Response Assistance Plan (ERAP) filed with Transport Canada, and ASME/TC compliant equipment. Any non-compliance voids coverage in the event of an incident.
TDG INSURANCE — CLASSES 1 TO 9
Specialized protection for transporters of dangerous goods
TDG Act Canada. RC $2 million to $25 million. Pollution, decontamination, ERAP included. Comparison 9+ insurers.
Free 3-minute quoteWhat is the TDG Act and why it impacts your insurance
The Transportation of Dangerous Goods Act (TDG Act, Transport Canada) governs the transportation of products classified as hazardous in Canada. It imposes strict requirements: identification plates, shipping documentation, driver training (TDG certificate valid for 3 years), emergency response assistance plan for certain classes, and increased liability limits with your insurer.
Class 1 — Explosives
Dynamite, ammunition, fireworks. Recommended RC $10M+. ERAP required. 100%+ surcharge.
Class 2 — Gases
Propane, oxygen, chlorine, acetylene. RC $5 million minimum. Classes 2.1 (flammable) and 2.3 (toxic) at high risk.
Class 3 — Flammable liquids
Gasoline, diesel, solvents, paints. The most common class. Environmental pollution = risk #1.
Class 4 — Flammable solids
Phosphorus, sodium, magnesium. Risk of auto-ignition in contact with water.
Class 5 — Oxidizers / peroxides
Hydrogen peroxide, ammonium nitrate. Reactive with other products — separation required.
Class 6 — Toxic/infectious
Pesticides, biomedical waste. Requires pollution coverage and biological decontamination.
Class 7 — Radioactive
Specialized transportation. ERAP required. RC minimum $10 million. CNSC Authorization.
Class 8 — Corrosive
Acids, bases, electrolytes. Potential damage to bodywork + soil contamination.
Class 9 — Miscellaneous
Asbestos, lithium batteries, high-temperature materials. Fast-growing class with EVs.
What a TDG Insurance Policy Covers
High liability
Limits of $2 million to $25 million depending on the class and the contractors. Covers injuries, deaths, and third-party damage caused by your load.
Sudden and accidental pollution
Cleaning costs, decontamination of soils and waterways, public evacuation. Essential for classes 3, 6 and 8.
Damage to the vehicle
Tractor, tanker trailer, safety equipment. Including replacement replacement cost according to contract.
Cargo/material transported
Value of the product in case of loss, spillage, contamination. Essential for high-value bulk deliveries.
Legal fees and fines
Legal Defence, Transport Canada Investigations, Fines (within regulatory limits). Support from specialized lawyers.
Shutdown
Compensation if your fleet is immobilized following a disaster. Maintenance of income during repairs.
Steps to purchase TDG insurance
Analysis of your classes and volumes
Your Assur360 broker identifies the classes transported, the mileage, the routes (QC, Canada, USA) and the principals.
Validation of permits and certifications
TMD certificates of drivers, company license, MCS-90 for USA, USDOT number. Full documentation required.
Audit of the Emergency Response Assistance Plan (ERAP)
For the risk classes (1, 2.3, 6.1, 7), the Transport Canada-approved ERAP must be in effect.
Comparison of 9+ Specialty Insurers
Few insurers accept TDG in Quebec — we have access to the specialized market (Intact, Travelers, Northbridge, Lloyd’s).
Choice of limits and extensions
RC, pollution, MCS-90, cargo, equipment. Adaptation according to the requirements of the clients (refineries, mines, construction sites).
Issuance and annual monitoring
Policy issued, insurance certificates provided, annual review according to fleet evolution and claims history.
Contractor requirements — read commercial contracts
Refineries, large mining and industrial sites often require certificates of insurance with additional insured, specific liability limits (often $10-25 million), and special endorsements (waiver of subrogation, cross-liability). Your Assur360 broker adjusts your policy to meet each contract.
2026 TDG Insurance Indicative Rates — Quebec
| Type of transport | Class | RC | Annual bonus / truck |
|---|---|---|---|
| Fuel (local delivery) | Class 3 | $5 million | $8,000 – $12,000 |
| Interprovincial Fuel | Class 3 | 5 M $ | 10,000 – $15,000 |
| Propane Gas (Tank) | Class 2.1 | 5 M $ | 9,000 – $14,000 |
| Chlorine Gas | Class 2.3 | 10 M $ | 18,000 – $28,000 |
| Industrial Chemicals | Class 6 / 8 | 5 M $ | 10,000 – $18,000 |
| Explosives (dynamite) | Class 1 | 10 M $ | 20,000 – $35,000 |
| Class 7 Radioactive Materials | $10 million+ | On specialized quote | |
| Biomedical Waste | Class 6.2 | $5M $ | 7,000 – $11,000 |
*Indicative rates 2026. Get your exact price in 3 minutes.
Legal obligations — what you must comply with
TDG Non-Compliance = Suspension of Operations + Denial of Compensation
Transport Canada may suspend your operator certificate in the event of TDG non-compliance (missing plates, uncertified driver, incorrect documentation). Worse: your insurer may refuse compensation for a claim if compliance was not respected at the time of the event. Federal fines of up to $50,000 per offence + possible criminal prosecution in the event of gross misconduct.
FREE QUOTE
Get your TDG insurance at the best price
Fleet 1 to 100+ trucks. RC $2 million to $25 million. Specialist advice on the transport of hazardous materials.
Free📞 quote 1-866-357-4451Quebec cities served
Assur360 covers TDG carriers throughout Quebec — Montreal (industrial and port hub), Quebec City, Lévis (refining), Sherbrooke, Trois-Rivières, Saguenay (forestry and aluminum smelter), Thetford Mines, Sept-Îles (mining/ferrous industry) and Rouyn-Noranda (Abitibi mining). TDG specialists for roads in Northern Quebec, James Bay, North Shore.
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