{"id":16119,"date":"2025-04-03T10:54:13","date_gmt":"2025-04-03T14:54:13","guid":{"rendered":"https:\/\/www.assur360.ca\/trucking-insurance-2\/"},"modified":"2026-06-26T01:28:36","modified_gmt":"2026-06-26T05:28:36","slug":"trucking-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/","title":{"rendered":"Trucking Insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-camionnage\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\n  \"description\": \"Trucking insurance comparison platform in Quebec. Protect your commercial fleet with the right coverage. Free quote from 9 AMF certified insurers.\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"email\": \"info@assur360.ca\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"110 rue Notre-Dame Est\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 2J8\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": {\n    \"@type\": \"Province\",\n    \"name\": \"Quebec\",\n    \"sameAs\": \"https:\/\/fr.wikipedia.org\/wiki\/Qu%C3%A9bec\"\n  },\n  \"hasCredential\": {\n    \"@type\": \"EducationalOccupationalCredential\",\n    \"credentialCategory\": \"Property and casualty insurance broker license\",\n    \"recognizedBy\": {\n      \"@type\": \"Organization\",\n      \"name\": \"Autorit\u00e9 des march\u00e9s financiers\",\n      \"url\": \"https:\/\/lautorite.qc.ca\"\n    }\n  },\n  \"serviceType\": [\n    \"Trucking insurance\",\n    \"Transport insurance\",\n    \"Commercial fleet insurance\"\n  ]\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\">Trucking insurance is an essential protection for companies operating in the road freight transportation industry in Quebec. Whether you own a single truck or manage an entire fleet, it&#8217;s essential to be well insured to protect your assets, your drivers and your liabilities in the event of the unexpected. With Assur360, compare the offers of <strong>specialized trucking brokers certified by the Autorit\u00e9 des march\u00e9s financiers (AMF).<\/strong>  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-camionnage-routier.jpg\" alt=\"Quebec Highway Trucks \u2014 Assur360 Trucking Insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Trucking-Insurance-Heavy-Commercial-Fleet\" >Trucking Insurance: Heavy Commercial Fleet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Get-your-trucking-insurance-quote\" >Get your trucking insurance quote<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Why-is-trucking-insurance-essential\" >Why is trucking insurance essential?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Essential-Trucking-Insurance-Coverages\" >Essential Trucking Insurance Coverages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Types-of-vehicles-covered\" >Types of vehicles covered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Factors-that-influence-the-cost-of-trucking-insurance\" >Factors that influence the cost of trucking insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Quebec-Road-Transport-Regulations\" >Quebec Road Transport Regulations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Canada%E2%80%93US-Cross-border-transportation\" >Canada\u2013U.S. Cross-border transportation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Why-use-a-trucking-broker\" >Why use a trucking broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Protect-your-trucking-operations-now\" >Protect your trucking operations now<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/#Frequently-Asked-Questions-About-Trucking-Insurance\" >Frequently Asked Questions About Trucking Insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Trucking-Insurance-Heavy-Commercial-Fleet\"><\/span>Trucking Insurance: Heavy Commercial Fleet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Trucking insurance covers <strong>heavy trucks from class 3 to 8<\/strong> (tractor-trailers, vans, dump trucks). It includes civil liability (often $2 to $5 million), transported goods (cargo) and damage to the vehicle. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Compliance:<\/strong> Interprovincial carriers must comply with <strong>the SAAQ safety certificate<\/strong> and provide their rating (excellent, satisfactory, conditional) to the insurer. A bad rating increases the premium by 20 to 50%. <\/p>\n  <\/div>\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:24px\"><span class=\"ez-toc-section\" id=\"Get-your-trucking-insurance-quote\"><\/span>Get your trucking insurance quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Protect your trucks, drivers, and cargo. Free, no obligation. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Compare prices now<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Brokers specializing in road transport<\/p>\n\n\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3ad84815 wp-block-columns-is-layout-flex\" style=\"margin-top:40px;margin-bottom:40px\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-is-trucking-insurance-essential\"><\/span>Why is trucking insurance essential?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the trucking industry, the unexpected can lead to major costs. A mechanical breakdown on a heavy vehicle can cost anywhere from <strong>$10,000 to $50,000<\/strong>. An accident involving a $150,000+ tractor can result in millions of dollars in lawsuits. Theft of merchandise, late deliveries resulting in contractual penalties \u2014 all of these risks can jeopardize the financial survival of your business.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specialized trucking insurance allows you to <strong>continue your operations<\/strong> while minimizing financial losses, protecting your vehicles, your drivers and the goods you transport.<\/p>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n\n\n<figure class=\"wp-block-image size-full has-custom-border\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/04\/soumission-assurance-camionage.png\" alt=\"Trucking Insurance Quote in Quebec\" style=\"border-radius:12px\"\/><\/figure>\n\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Trucking-Insurance-Coverages\"><\/span>Essential Trucking Insurance Coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A comprehensive trucking insurance program should cover several aspects in order to adequately protect your transportation business. Here are the main coverages available in Quebec: <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-340b9992 wp-block-columns-is-layout-flex\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Civil liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Civil liability is <strong>mandatory in Quebec<\/strong> for all commercial vehicles. It covers property damage and bodily injury caused to third parties in the event of an accident. For trucking, most carriers opt for coverage of <strong>$1,000,000 to $5,000,000<\/strong>, depending on the nature of the goods and the contractual requirements of their customers.  <\/p>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px;margin-top:24px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Collision and Rollover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Covers damage to your own truck in the event of an accident (at fault or not), as well as vandalism, theft, fire, and natural disasters. For a commercial fleet, this coverage is crucial given the <strong>high value of heavy vehicles<\/strong>. <\/p>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px;margin-top:24px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Cargo insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Protects transported goods from loss, damage, or theft during transit. Depending on the type of commodity \u2014 <a href=\"https:\/\/www.assur360.ca\/en\/insurance-for-the-transport-of-dangerous-goods\/\">hazardous materials<\/a>, perishables, high-value goods \u2014 conditions vary. In Quebec, the carrier is <strong>generally responsible for<\/strong> the goods entrusted to it under <em>the Transportation Act<\/em>.  <\/p>\n\n\n<\/div>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Mechanical breakdown<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Breakdowns on a heavy truck can result in repairs of <strong>$10,000 to $50,000<\/strong> and more, not to mention the loss of income related to the capital asset. Covers major repairs to the engine, transmission and essential systems. Recommended for vehicles over 3 years old.  <\/p>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px;margin-top:24px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Trailer insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trailers, semi-trailers and flatbeds must be insured <strong>separately from the tractor<\/strong>. This coverage protects against damage, theft and liability related to the trailer, whether it is hitched or stored. <\/p>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-left-color:#10c4c7;border-left-width:4px;background-color:#f8fafc;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px;margin-top:24px\">\n\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px\">Business interruption<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When an accident immobilizes your vehicles, this coverage compensates for the <strong>loss of income<\/strong> during the repair or replacement period. For an owner-operator whose truck is their only source of income, this coverage is crucial. <\/p>\n\n\n<\/div>\n\n\n<\/div>\n\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-vehicles-covered\"><\/span>Types of vehicles covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Trucking insurance is suitable for all types of heavy vehicles used in commercial transportation:<\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-c9dbc802 wp-block-columns-is-layout-flex\">&#8220;`html\n\n<div class=\"wp-block-group has-text-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:0px;font-size:28px\">\ud83d\ude9b<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Semi-trailers<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Class 8 \u2014 long-distance transport<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-text-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:0px;font-size:28px\">\ud83d\udce6<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Straight trucks<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Local and regional distribution<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-text-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:0px;font-size:28px\">\ud83c\udfd7\ufe0f<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Dump trucks<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Construction and bulk materials<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-text-color has-background is-layout-constrained wp-container-core-group-is-layout-b62443b2 wp-block-group-is-layout-constrained\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:0px;font-size:28px\">\u2744\ufe0f<\/p>\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Refrigerated trucks<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Food  Pharma<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<\/div>\n<!-- \/wp:post-content --><!-- wp:columns {\"style\":{\"spacing\":{\"blockGap\":{\"left\":\"16px\",\"top\":\"16px\"},\"margin\":{\"top\":\"16px\"}}}} -->\n<div class=\"wp-block-columns\" style=\"margin-top:16px\">\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"color\":{\"background\":\"#0d1f2d\",\"text\":\"#ffffff\"},\"border\":{\"radius\":\"10px\"},\"spacing\":{\"padding\":{\"top\":\"20px\",\"bottom\":\"20px\",\"left\":\"20px\",\"right\":\"20px\"}}},\"layout\":{\"type\":\"constrained\"}} -->\n<div class=\"wp-block-group has-text-color has-background\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontSize\":\"28px\"},\"spacing\":{\"margin\":{\"bottom\":\"0px\"}}}} -->\n<p class=\"has-text-align-center\" style=\"margin-bottom:0px;font-size:28px\">\u26fd<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontStyle\":\"normal\",\"fontWeight\":\"700\",\"fontSize\":\"15px\"},\"spacing\":{\"margin\":{\"top\":\"8px\",\"bottom\":\"4px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Tanker trucks<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"color\":{\"text\":\"#94a3b8\"},\"typography\":{\"fontSize\":\"13px\"},\"spacing\":{\"margin\":{\"top\":\"0px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Liquids and hazardous materials<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n&#8220;`<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontSize\":\"28px\"},\"spacing\":{\"margin\":{\"bottom\":\"0px\"}}}} -->\n<p class=\"has-text-align-center\" style=\"margin-bottom:0px;font-size:28px\">\ud83d\udd29<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontStyle\":\"normal\",\"fontWeight\":\"700\",\"fontSize\":\"15px\"},\"spacing\":{\"margin\":{\"top\":\"8px\",\"bottom\":\"4px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Flatbed trucks<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"color\":{\"text\":\"#94a3b8\"},\"typography\":{\"fontSize\":\"13px\"},\"spacing\":{\"margin\":{\"top\":\"0px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Heavy equipment and materials<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:columns -->\n<\/div>\n<!-- \/wp:column -->\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"color\":{\"background\":\"#0d1f2d\",\"text\":\"#ffffff\"},\"border\":{\"radius\":\"10px\"},\"spacing\":{\"padding\":{\"top\":\"20px\",\"bottom\":\"20px\",\"left\":\"20px\",\"right\":\"20px\"}}},\"layout\":{\"type\":\"constrained\"}} -->\n<div class=\"wp-block-group has-text-color has-background\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontSize\":\"28px\"},\"spacing\":{\"margin\":{\"bottom\":\"0px\"}}}} -->\n<p class=\"has-text-align-center\" style=\"margin-bottom:0px;font-size:28px\">\ud83c\udfe0<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontStyle\":\"normal\",\"fontWeight\":\"700\",\"fontSize\":\"15px\"},\"spacing\":{\"margin\":{\"top\":\"8px\",\"bottom\":\"4px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Moving<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"color\":{\"text\":\"#94a3b8\"},\"typography\":{\"fontSize\":\"13px\"},\"spacing\":{\"margin\":{\"top\":\"0px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Commercial and residential fleets<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"color\":{\"background\":\"#0d1f2d\",\"text\":\"#ffffff\"},\"border\":{\"radius\":\"10px\"},\"spacing\":{\"padding\":{\"top\":\"20px\",\"bottom\":\"20px\",\"left\":\"20px\",\"right\":\"20px\"}}},\"layout\":{\"type\":\"constrained\"}} -->\n<div class=\"wp-block-group has-text-color has-background\" style=\"color:#ffffff;background-color:#0d1f2d;border-radius:10px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px\">\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontSize\":\"28px\"},\"spacing\":{\"margin\":{\"bottom\":\"0px\"}}}} -->\n<p class=\"has-text-align-center\" style=\"margin-bottom:0px;font-size:28px\">\ud83c\udf32<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"typography\":{\"fontStyle\":\"normal\",\"fontWeight\":\"700\",\"fontSize\":\"15px\"},\"spacing\":{\"margin\":{\"top\":\"8px\",\"bottom\":\"4px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center\" style=\"margin-top:8px;margin-bottom:4px;font-size:15px;font-style:normal;font-weight:700\">Forestry trucks<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"color\":{\"text\":\"#94a3b8\"},\"typography\":{\"fontSize\":\"13px\"},\"spacing\":{\"margin\":{\"top\":\"0px\"}}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8;margin-top:0px;font-size:13px\">Timber and Harvesting<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<\/div>\n<!-- \/wp:columns --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:heading {\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factors-that-influence-the-cost-of-trucking-insurance\"><\/span>Factors that influence the cost of trucking insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The price of trucking insurance in Quebec varies considerably from one company to another. Here are the main factors considered by insurers: <\/p>\n<!-- \/wp:paragraph --><!-- wp:table {\"style\":{\"border\":{\"width\":\"0px\",\"style\":\"none\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<figure class=\"wp-block-table\"><table style=\"border-style:none;border-width:0px\"><thead><tr style=\"background:#0d1f2d;color:white\"><th style=\"padding:12px;border:1px solid #1e3a4f\">Factor<\/th><th style=\"padding:12px;border:1px solid #1e3a4f\">Impact<\/th><th style=\"padding:12px;border:1px solid #1e3a4f\">Detail<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px;font-weight:600\">Type of Merchandise<\/td><td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold\">High<\/td><td style=\"padding:10px\">Hazardous materials and high-value products = higher premiums<\/td><\/tr><tr style=\"background:#f8fafc\"><td style=\"padding:10px;font-weight:600\">Operating Radius<\/td><td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold\">High<\/td><td style=\"padding:10px\">Local vs. Provincial vs. Cross-border (Canada-USA)<\/td><\/tr><tr><td style=\"padding:10px;font-weight:600\">Fleet size<\/td><td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold\">Medium<\/td><td style=\"padding:10px\">10+ trucks = great group rates<\/td><\/tr><tr style=\"background:#f8fafc\"><td style=\"padding:10px;font-weight:600\">Claims history<\/td><td style=\"padding:10px;text-align:center;color:#ef4444;font-weight:bold\">High<\/td><td style=\"padding:10px\">Claim-free record = significant discounts<\/td><\/tr><tr><td style=\"padding:10px;font-weight:600\">Driver Experience<\/td><td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold\">Medium<\/td><td style=\"padding:10px\">Experienced drivers with a good record = reduced risk<\/td><\/tr><tr style=\"background:#f8fafc\"><td style=\"padding:10px;font-weight:600\">Age of vehicles<\/td><td style=\"padding:10px;text-align:center;color:#f59e0b;font-weight:bold\">Medium<\/td><td style=\"padding:10px\">Newer, well-maintained trucks cost less<\/td><\/tr><tr><td style=\"padding:10px;font-weight:600\">Annual mileage<\/td><td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold\">Moderate<\/td><td style=\"padding:10px\">The more a truck drives, the greater the risk<\/td><\/tr><tr style=\"background:#f8fafc\"><td style=\"padding:10px;font-weight:600\">Selected Franchise<\/td><td style=\"padding:10px;text-align:center;color:#10b981;font-weight:bold\">Moderate<\/td><td style=\"padding:10px\">Higher deductible = lower monthly premium<\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>On average, an owner-operator in Quebec can expect to pay between <strong>$8,000 and $15,000 per year<\/strong> for comprehensive coverage, while a commercial fleet will pay based on the number of vehicles and overall risk profile.<\/p>\n<!-- \/wp:paragraph --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:heading {\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-Road-Transport-Regulations\"><\/span>Quebec Road Transport Regulations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The trucking sector in Quebec is governed by several organizations and laws that all carriers must be aware of:<\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Commission des transports du Qu\u00e9bec (CTQ)<\/h3>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The <strong>CTQ<\/strong> issues transport permits and certificates of fitness for motor carriers. All heavy vehicle operators must hold a valid licence and maintain insurance coverage that meets the minimum requirements. The CTQ may suspend or revoke the licence of a carrier who does not maintain adequate insurance.  <\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":3,\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading\">SAAQ and heavy vehicles<\/h3>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The <strong>Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/strong> manages the registration of heavy vehicles and the public automobile insurance plan that covers bodily injury. However, <strong>property damage is not covered by the SAAQ<\/strong> \u2014 which is why private insurance is essential for any commercial truck. <\/p>\n<!-- \/wp:paragraph --><!-- wp:heading {\"level\":3,\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading\">Quebec Road Enforcement<\/h3>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Roadside control officers regularly check the compliance of heavy vehicles on Quebec roads. A carrier caught without valid proof of insurance is subject to <strong>fines of $2,500 to $25,000<\/strong> and immediate seizure of the vehicle. <\/p>\n<!-- \/wp:paragraph --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:group {\"style\":{\"color\":{\"background\":\"linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\"},\"border\":{\"radius\":\"16px\"},\"spacing\":{\"padding\":{\"top\":\"32px\",\"bottom\":\"32px\",\"left\":\"32px\",\"right\":\"32px\"}}}} -->\n<div class=\"wp-block-group\" style=\"border-radius:16px;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<!-- wp:heading {\"style\":{\"color\":{\"text\":\"#ffffff\"},\"spacing\":{\"margin\":{\"top\":\"0px\"}}},\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ffffff;margin-top:0px\"><span class=\"ez-toc-section\" id=\"Canada%E2%80%93US-Cross-border-transportation\"><\/span>Canada\u2013U.S. Cross-border transportation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#cbd5e1\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#cbd5e1\">If your trucking operations cross the U.S. border, additional requirements apply:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list {\"style\":{\"color\":{\"text\":\"#cbd5e1\"},\"typography\":{\"lineHeight\":\"1.8\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<ul class=\"has-text-color\" style=\"color:#cbd5e1;line-height:1.8\"><li><strong style=\"color:#10c4c7\">FMCSA<\/strong> \u2014 Canadian carriers operating in the U.S. must hold a <em>BOC-3 filing<\/em> and a minimum liability of US$750,000 (US$1,000,000 for hazardous materials)<\/li><li><strong style=\"color:#10c4c7\">Cross-border rider<\/strong> \u2014 Your Canadian policy must include a specific endorsement to cover U.S. operations<\/li><li><strong style=\"color:#10c4c7\">Coasting Trade<\/strong> \u2014 Transportation between two points in the U.S. by a Canadian carrier is regulated and requires appropriate coverages<\/li><li><strong style=\"color:#10c4c7\">International Green Card<\/strong> \u2014 Recognized proof of insurance to travel in the United States<\/li><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#94a3b8\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#94a3b8\">Our brokers know the requirements on both sides of the border and structure your insurance program to cover your cross-border journeys without interruption.<\/p>\n<!-- \/wp:paragraph -->\n\n<\/div>\n<!-- \/wp:group --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:heading {\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-a-trucking-broker\"><\/span>Why use a trucking broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading --><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Trucking insurance is a complex area where standard policies are not enough. A specialized broker offers you several advantages: <\/p>\n<!-- \/wp:paragraph --><!-- wp:columns {\"style\":{\"spacing\":{\"blockGap\":{\"left\":\"20px\",\"top\":\"20px\"}}}} -->\n<div class=\"wp-block-columns\">\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"border\":{\"width\":\"1px\",\"color\":\"#e2e8f0\",\"radius\":\"12px\"},\"spacing\":{\"padding\":{\"top\":\"24px\",\"bottom\":\"24px\",\"left\":\"24px\",\"right\":\"24px\"}}}} -->\n<div class=\"wp-block-group has-border-color\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"24px\"},\"spacing\":{\"margin\":{\"bottom\":\"8px\"}}}} -->\n<p style=\"margin-bottom:8px;font-size:24px\">\ud83c\udfe2<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"16px\"},\"spacing\":{\"margin\":{\"top\":\"0px\",\"bottom\":\"8px\"}},\"color\":{\"text\":\"#0d1f2d\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Access to specialized markets<\/h3>\n<!-- \/wp:heading -->\n<!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#64748b\"},\"typography\":{\"fontSize\":\"14px\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:14px\">Northbridge, Aviva, Intact and surplus insurers that you cannot consult directly.<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"border\":{\"width\":\"1px\",\"color\":\"#e2e8f0\",\"radius\":\"12px\"},\"spacing\":{\"padding\":{\"top\":\"24px\",\"bottom\":\"24px\",\"left\":\"24px\",\"right\":\"24px\"}}}} -->\n<div class=\"wp-block-group has-border-color\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"24px\"},\"spacing\":{\"margin\":{\"bottom\":\"8px\"}}}} -->\n<p style=\"margin-bottom:8px;font-size:24px\">\ud83d\udcb0<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"16px\"},\"spacing\":{\"margin\":{\"top\":\"0px\",\"bottom\":\"8px\"}},\"color\":{\"text\":\"#0d1f2d\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Competitive pricing<\/h3>\n<!-- \/wp:heading -->\n<!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#64748b\"},\"typography\":{\"fontSize\":\"14px\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:14px\">Comparison of several quotes to find the best price-coverage ratio.<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"border\":{\"width\":\"1px\",\"color\":\"#e2e8f0\",\"radius\":\"12px\"},\"spacing\":{\"padding\":{\"top\":\"24px\",\"bottom\":\"24px\",\"left\":\"24px\",\"right\":\"24px\"}}}} -->\n<div class=\"wp-block-group has-border-color\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"24px\"},\"spacing\":{\"margin\":{\"bottom\":\"8px\"}}}} -->\n<p style=\"margin-bottom:8px;font-size:24px\">\u2696\ufe0f<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"16px\"},\"spacing\":{\"margin\":{\"top\":\"0px\",\"bottom\":\"8px\"}},\"color\":{\"text\":\"#0d1f2d\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Claims Expertise<\/h3>\n<!-- \/wp:heading --><!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#64748b\"},\"typography\":{\"fontSize\":\"14px\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:14px\">Your insurance broker defends your interests and speeds up the settlement process in the event of a claim.<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<!-- wp:column -->\n<div class=\"wp-block-column\">\n<!-- wp:group {\"style\":{\"border\":{\"width\":\"1px\",\"color\":\"#e2e8f0\",\"radius\":\"12px\"},\"spacing\":{\"padding\":{\"top\":\"24px\",\"bottom\":\"24px\",\"left\":\"24px\",\"right\":\"24px\"}}}} -->\n<div class=\"wp-block-group has-border-color\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<!-- wp:paragraph {\"style\":{\"typography\":{\"fontSize\":\"24px\"},\"spacing\":{\"margin\":{\"bottom\":\"8px\"}}}} -->\n<p style=\"margin-bottom:8px;font-size:24px\">\ud83d\udccb<\/p>\n<!-- \/wp:paragraph -->\n<!-- wp:heading {\"level\":3,\"style\":{\"typography\":{\"fontSize\":\"16px\"},\"spacing\":{\"margin\":{\"top\":\"0px\",\"bottom\":\"8px\"}},\"color\":{\"text\":\"#0d1f2d\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Regulatory Compliance<\/h3>\n<!-- \/wp:heading -->\n<!-- wp:paragraph {\"style\":{\"color\":{\"text\":\"#64748b\"},\"typography\":{\"fontSize\":\"14px\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-color\" style=\"color:#64748b;font-size:14px\">Coverage that complies with the requirements of the CTQ, SAAQ and, if applicable, the U.S. FMCSA.<\/p>\n<!-- \/wp:paragraph -->\n<\/div>\n<!-- \/wp:group -->\n<\/div>\n<!-- \/wp:column -->\n\n<\/div>\n<!-- \/wp:columns --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:group {\"style\":{\"color\":{\"background\":\"linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\"},\"border\":{\"radius\":\"16px\"},\"spacing\":{\"padding\":{\"top\":\"40px\",\"bottom\":\"40px\",\"left\":\"40px\",\"right\":\"40px\"}}},\"layout\":{\"type\":\"constrained\"}} -->\n<div class=\"wp-block-group\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<!-- wp:heading {\"textAlign\":\"center\",\"style\":{\"typography\":{\"fontSize\":\"24px\"},\"color\":{\"text\":\"#ffffff\"}},\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:24px\"><span class=\"ez-toc-section\" id=\"Protect-your-trucking-operations-now\"><\/span>Protect your trucking operations now<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"align\":\"center\",\"style\":{\"color\":{\"text\":\"#94a3b8\"}},\"translatedWithWPMLTM\":\"1\"} -->\n<p class=\"has-text-align-center has-text-color\" style=\"color:#94a3b8\">Free quote, no obligation. Our specialized brokers will support you. <\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:buttons {\"layout\":{\"type\":\"flex\",\"justifyContent\":\"center\"}} -->\n<div class=\"wp-block-buttons\">\n<!-- wp:button {\"style\":{\"color\":{\"background\":\"#10c4c7\"},\"border\":{\"radius\":\"30px\"},\"spacing\":{\"padding\":{\"top\":\"16px\",\"bottom\":\"16px\",\"left\":\"48px\",\"right\":\"48px\"}},\"typography\":{\"fontSize\":\"18px\",\"fontStyle\":\"normal\",\"fontWeight\":\"700\"}},\"textColor\":\"white\",\"translatedWithWPMLTM\":\"1\"} -->\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my free quote<\/a><\/div>\n<!-- \/wp:button -->\n<\/div>\n<!-- \/wp:buttons -->\n\n<\/div>\n<!-- \/wp:group --><!-- wp:spacer {\"height\":\"40px\"} -->\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<!-- \/wp:spacer --><!-- wp:heading {\"level\":2,\"translatedWithWPMLTM\":\"1\"} -->\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-About-Trucking-Insurance\"><\/span>Frequently Asked Questions About Trucking Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<!-- \/wp:heading --><!-- wp:html -->\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-camionnage\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much does trucking insurance cost in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The cost varies based on several factors: type of cargo, operating radius, fleet size, and claims history. An owner-operator can expect to pay between $8,000 and $15,000 per year for comprehensive coverage.\"}},{\"@type\":\"Question\",\"name\":\"What coverage is mandatory for a commercial truck in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Quebec, liability insurance is mandatory for all commercial vehicles. The SAAQ covers bodily injury through the public plan, but property damage must be covered by private insurance. The CTQ requires proof of valid insurance.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure a truck even if it is not in service?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, it is possible to obtain garage or off-road insurance for an inactive truck, at a fraction of the cost of full insurance.\"}},{\"@type\":\"Question\",\"name\":\"Does the insurance cover cross-border trips to the United States?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, your policy must include a cross-border endorsement and comply with U.S. FMCSA requirements ($750,000 minimum, $1,000,000 for hazardous materials).\"}},{\"@type\":\"Question\",\"name\":\"What happens if the cargo is damaged in an accident?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cargo insurance covers losses and damages. In Quebec, the Transportation Act generally holds the carrier responsible for the entrusted cargo.\"}},{\"@type\":\"Question\",\"name\":\"Why is trucking insurance essential?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Unexpected events can lead to major costs: mechanical breakdowns from $10,000 to $50,000, accidents involving vehicles worth $150,000+, lawsuits in the millions.\"}},{\"@type\":\"Question\",\"name\":\"What types of trucks can be insured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All commercial heavy vehicles: road tractors, straight trucks, dump trucks, refrigerated trucks, tankers, flatbeds, moving trucks, and forestry vehicles.\"}},{\"@type\":\"Question\",\"name\":\"How can I reduce the cost of my trucking insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A good claims history, driver training, telematics, higher deductibles, fleet programs, and a specialized broker who compares multiple insurers.\"}},{\"@type\":\"Question\",\"name\":\"What is mechanical breakdown insurance for trucks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Covers unexpected major repairs to the engine, transmission, and essential systems. Repairs can exceed $20,000. Recommended for vehicles over 3 years old.\"}},{\"@type\":\"Question\",\"name\":\"Can a broker help me get a better price?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolutely. A specialized broker has access to Northbridge, Aviva, Intact, and surplus markets. They compare quotes for the best coverage-price ratio.\"}}]}<\/script>\n<!-- \/wp:html --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>How much does trucking insurance cost in Quebec?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>The cost varies depending on several factors: type of cargo, radius of operation, size of the fleet and loss history. An owner-manager can expect to pay between <strong>$8,000 and $15,000 per year<\/strong> for comprehensive coverage. Commercial fleets often benefit from group rates. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get a personalized quote<\/a> to find out your exact price.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>What coverage is mandatory for a commercial truck in Quebec?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>In Quebec, civil liability is mandatory for all commercial vehicles. The SAAQ covers bodily injury through the public plan, but <strong>property damage must be covered by private insurance<\/strong>. The Commission des transports du Qu\u00e9bec (CTQ) also requires valid proof of insurance for all transport permit holders.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>Can I insure a truck even if it is not in service?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Yes, it is possible to purchase <strong>garage or off-road insurance<\/strong> for an idle truck. This coverage protects the vehicle against theft, vandalism, and damage while it&#8217;s in storage, at a fraction of the cost of comprehensive insurance. This is a common option for seasonal carriers. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>Does the insurance cover cross-border travel to the United States?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Yes, specific coverages are available for travel to the United States. Your policy must include a <strong>cross-border endorsement<\/strong> and meet the requirements of the U.S. FMCSA, which imposes a minimum liability of $750,000 USD ($1,000,000 USD for hazardous materials). Our brokers structure comprehensive programs for Canada-USA transactions.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>What happens if the goods are damaged in an accident?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Cargo insurance covers loss and damage to the goods being transported, depending on the nature of the contract and the declared value of the goods. In Quebec, the <em>Transportation Act<\/em> makes the carrier generally liable for the goods entrusted to him. It is therefore essential to have cargo coverage that is appropriate for the type and value of the goods you are transporting.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>Why is trucking insurance essential?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>In the trucking industry, unforeseen events can lead to major costs: mechanical breakdown of <strong>$10,000 to $50,000<\/strong>, accident involving a vehicle of $150,000+, theft of goods, delivery delays resulting in contractual penalties, legal proceedings of up to millions of dollars. Specialized insurance allows you to continue your operations while minimizing financial losses. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>What types of trucks can be insured?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>All types of commercial heavy-duty vehicles are insurable: tractors (Class 8), straight trucks, dump trucks, refrigerated trucks, tankers, flatbed trucks, moving trucks and forestry trucks. Trailers, semi-trailers and specialized equipment are also covered under separate policies. <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>How can I reduce the cost of my trucking insurance?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>There are several strategies that can reduce your premiums: maintaining a <strong>good claim-free record<\/strong>, investing in driver training, installing telematics and dash cams, choosing a higher deductible, bundling your vehicles in a fleet program, and using a broker who compares offers from several specialized insurers.<\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>What is Truck Mechanical Breakdown Insurance?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Mechanical Breakdown Insurance covers <strong>unplanned major repairs<\/strong> to your truck&#8217;s engine, transmission, electrical system and other critical components. Repairs on a heavy vehicle can easily exceed $20,000, and the immobilization of a truck results in daily revenue losses. This coverage is particularly recommended for vehicles over 3 years old.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:details {\"translatedWithWPMLTM\":\"1\"} -->\n<details class=\"wp-block-details\"><summary>Can a broker help me get a better price?<\/summary><!-- wp:paragraph {\"translatedWithWPMLTM\":\"1\"} -->\n<p>Absolutely. A trucking insurance broker has access to markets you can&#8217;t access directly \u2014 including specialty insurers like Northbridge, Aviva and surplus markets. By comparing quotes from several insurers, the broker finds the <strong>best coverage-price ratio<\/strong> adapted to your business profile. At Assur360, our partner brokers specialize in road transportation.  <\/p>\n<!-- \/wp:paragraph --><\/details>\n<!-- \/wp:details --><!-- wp:html {\"translatedWithWPMLTM\":\"1\"} -->\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Trucking Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-camionnage\/\"}]}\n<\/script>\n<!-- \/wp:html -->","protected":false},"excerpt":{"rendered":"<p>Trucking insurance is an essential protection for companies operating in the road freight transportation industry in Quebec. Whether you own a single [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Quebec Trucking Insurance 2026 \u2014 Quick Online Quote","_seopress_titles_desc":"Get a quick quote for your trucking insurance. Compare the best deals in Quebec to protect your trucks, drivers and cargo. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Trucking Insurance","_seopress_social_fb_desc":"Protect your business with the best insurance in Quebec. AMF certified broker. Free quote in 3 min.  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