{"id":16123,"date":"2025-04-03T11:35:40","date_gmt":"2025-04-03T15:35:40","guid":{"rendered":"https:\/\/www.assur360.ca\/cargo-insurance-2\/"},"modified":"2026-04-20T15:18:19","modified_gmt":"2026-04-20T19:18:19","slug":"cargo-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/cargo-insurance-2\/","title":{"rendered":"Quebec Cargo Insurance 2026: Cargo Protection in Transit"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/assur360.ca\", \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/logo-assur360.png\", \"telephone\": \"+18663574451\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"681 Boulevard Smith Sud\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 1N1\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": \"Assurance cargo et marchandises en transit\", \"description\": \"Assurance cargo pour marchandises en transit terrestre, maritime et a\u00e9rien. Couverture all-risk, police ouverte, incoterms et douanes. Courtiers certifi\u00e9s AMF.\"}<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Shipping goods within Canada, the U.S. or internationally? Cargo insurance protects the <strong>value of your goods in transit<\/strong> against loss, theft, damage and transportation hazards. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> compare offers from 9+ insurers to find the optimal coverage \u2014 whether you&#8217;re shipping by truck, ship, plane or train, open or closed. Get your cargo quote in 3 minutes.   <\/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-cargo-transport.jpg\" alt=\"Cargo in transit \u2014 Assur360 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    <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=\"Cargo-insurance-transport-of-goods\"><\/span>Cargo insurance (transport of goods)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Cargo insurance covers <strong>goods in transit<\/strong> (land, sea, air) against theft, fire, accident, water. <em>All-risk<\/em> or <em>named perils<\/em> coverage depending on the risk profile. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Limits:<\/strong> $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. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n<p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">COMMERCIAL CARGO INSURANCE<\/p>\n<h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-the-value-of-your-goods-in-transit\"><\/span>Protect the value of your goods in transit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;margin:0 0 28px;\">Land, sea, air transit. All-risk or named peril. Annual open policy or one-time trip.  <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free 3-minute quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n<div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div><div style=\"color:#64748b;font-size:13px;\">Cargo insurers<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">All-risk<\/div><div style=\"color:#64748b;font-size:13px;\">Wide coverage<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div><div style=\"color:#64748b;font-size:13px;\">Quick Quote<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">24 \/ 7<\/div><div style=\"color:#64748b;font-size:13px;\">Claims assistance<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-take-out-cargo-insurance-in-Quebec\"><\/span>Why take out cargo insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;\">In Canada, the legal liability of the motor carrier is limited to approximately <strong>$4.41 per kilogram<\/strong> (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.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9a<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Land Transit<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Truck, rail: all-risk coverage between the warehouse of origin and final delivery, including transshipments and temporary storage.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udea2<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Sea Transit<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Bulk containers and cargoes: ICC-A (all-risk), ICC-B or ICC-C conditions as required. War and strike coverage available as expansions. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\u2708\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Air transit<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">International Express Shipments, Perishable Goods, High Value, Pharmaceuticals: 24\/7 Door-to-Door Coverage.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udce6<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Annual Open Policy<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For regular shippers: all shipments for the year are covered automatically, with monthly reporting. Preferential pricing. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Unique Trip<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">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.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udec3<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Customs clearance &#038; import\/export<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Coverage aligned with Incoterms (EXW, FOB, CIF, DDP). Compliance with Canadian and U.S. customs requirements. <\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-cargo-insurance-works-%E2%80%94-the-steps\"><\/span>How cargo insurance works \u2014 the steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n<div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Evaluating your shipping flows<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your broker analyzes your volumes, destinations, modes of transportation and types of goods to recommend open policy or single trip.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Determination of insured value<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insured value is usually the invoice value + 10% (ancillary costs). For international flights, the CIF value (Cost + Insurance + Freight) is used. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Choice of coverage (all-risk or named)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">All-risk (ICC-A) for fragile or high-value goods; Named Peril (ICC-C) for Robust Commodities. Your broker compares 9+ insurers. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Policy Issuance and Certificates<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Annual policy issued; Insurance certificates issued per shipment for presentation to customs and the consignee (often required for import\/export).<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Monthly Report (Open Policy)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You report the volumes shipped each month; The premium is adjusted annually based on actual volume.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">In the event of a claim: quick claim<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Take a photograph, obtain a letter of reserve from the carrier, notify your broker within 72 hours. Claim based on declared insured value. <\/p><\/div><\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\"><div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div><div><p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Check your Incoterms before shipping<\/p><p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Incoterms (EXW, FOB, CIF, DDP&#8230;) determine who is responsible for insurance at each stage. Shipping <strong style=\"color:#ffffff;\">FOB<\/strong> without a cargo policy means <strong style=\"color:#ffffff;\">you carry the risk from the moment it is loaded<\/strong>. Your Assur360 broker checks the consistency between your commercial contracts and your insurance policy.  <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-cargo-insurance-rates-2026\"><\/span>Indicative cargo insurance rates 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\"><thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Shipping Type<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Commodity Value<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Average Rate<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Estimated Premium<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">QC Truck \u2192 Ontario<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,0000000000000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">75 \/ shipment<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">QC Truck \u2192 USA<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$100,0000000000<\/td>%<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">250\/shipment<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Sea Container (all-risk)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$200,0000000<\/td>%<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">0.40%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$800 \/ shipment<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">International Air Freight<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,0000000<\/td> %<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">400 \/ Shipment<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Annual Open Policy ($2M Theft)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,000,000\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">0.20%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2248 $4,000\/year<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Fragile \/ high-value goods<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Variable<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">0.50% \u2013 1.5%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">On quote<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/assur360.ca\/soumission-assurance-commerciale\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Obligations-and-legal-framework-in-Quebec\"><\/span>Obligations and legal framework in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\"><div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div><div><p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Limited Carrier Liability \u2014 Protect Your Cargo<\/p><p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">In Canada, the liability of the motor carrier is capped by the <strong>Quebec Transportation Act (RSA)<\/strong> and interprovincial rules. Without separate cargo insurance, a total loss of a $100,000 shipment could leave you with only <strong>a few thousand dollars<\/strong> in carrier compensation. For international shipping, the COGSA\/Hague-Visby limits are even more restrictive.  <\/p><\/div><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\"><p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p><h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your cargo deserves real protection<\/h3><p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 9+ cargo belays in 3 minutes. Preferential rate for regular shippers. <\/p><a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free<\/a><a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde quote 1-866-357-4451<\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-cities-served\"><\/span>Quebec cities served<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;\">Our Assur360 brokers support shippers and importers throughout Quebec: <strong>Montreal<\/strong> (port and airport hub), <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong>, <strong>Thetford Mines<\/strong> and the industrial zones of the South Shore and North Shore. Bilingual service for your exchanges with American and international partners. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\"><a href=\"https:\/\/assur360.ca\/assurance-camionnage\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quebec Trucking Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Transport trucks, fleet, cargo and liability.<\/p><\/a><a href=\"https:\/\/assur360.ca\/assurance-transport-routier\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Road transport insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Comprehensive coverage for professional road hauliers.<\/p><\/a><a href=\"https:\/\/assur360.ca\/assurance-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Business Business Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Comprehensive protection for your business in Quebec.<\/p><\/a><a href=\"https:\/\/assur360.ca\/soumission-assurance-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Request a quote<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Compare 9+ commercial insurers in 3 minutes.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Cargo-Insurance\"><\/span>Frequently Asked Questions \u2014 Cargo Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\"><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is cargo insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Cargo insurance covers goods in transit \u2014 land, sea or air \u2014 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. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between open and closed police?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An open cover automatically covers all shipments for the year with monthly volume reporting \u2014 ideal for regular shippers. A closed policy (single-trip) covers only one shipment at a time \u2014 suitable for one-time or high-value shipments. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is all-risk versus named coverage?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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 \u2014 recommended for fragile or high-value goods.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I declare the insured value?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is an incoterm and why does it matter?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Incoterms (ICC) define who \u2014 seller or buyer \u2014 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.   <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are goods in the warehouse covered?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the typical exclusions of a cargo policy?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does it take to report a cargo claim?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need cargo insurance if the carrier is already insured?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. The carrier&#8217;s legal liability is capped (~$4.41\/kg in Canada under the Convention) \u2014 largely insufficient for most goods. Cargo insurance closes this gap and covers the true value of your belongings. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does cargo insurance cost in Quebec?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">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.   <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Qu'est-ce qu'une assurance cargo ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'assurance cargo couvre les marchandises pendant leur transit \u2014 terrestre, maritime ou a\u00e9rien \u2014 contre les pertes, dommages ou vols. Elle prot\u00e8ge la valeur de la cargaison entre le point d'origine et la destination finale, peu importe le mode de transport utilis\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle diff\u00e9rence entre police ouverte et police ferm\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Une police ouverte (open cover) couvre automatiquement tous les envois de l'ann\u00e9e avec d\u00e9claration mensuelle des volumes \u2014 id\u00e9ale pour les exp\u00e9diteurs r\u00e9guliers. 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Pour du stockage prolong\u00e9, une assurance entreposage commerciale distincte est n\u00e9cessaire.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles sont les exclusions typiques d'une police cargo ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Exclusions fr\u00e9quentes : vice propre de la marchandise, emballage inad\u00e9quat, retard de livraison pur, guerre\/terrorisme (sauf extension), contrebande, pertes cons\u00e9cutives indirectes. Certains types de marchandises (\u0153uvres d'art, esp\u00e8ces, m\u00e9taux pr\u00e9cieux) n\u00e9cessitent des extensions sp\u00e9cifiques.\"}}, {\"@type\": \"Question\", \"name\": \"Quel est le d\u00e9lai pour d\u00e9clarer un sinistre cargo ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Id\u00e9alement dans les 24 \u00e0 72 heures suivant la constatation du dommage. Conservez l'emballage, photographiez les dommages, obtenez un constat \u00e9crit du transporteur (lettre de r\u00e9serve) et avisez imm\u00e9diatement votre courtier. Un d\u00e9lai trop long peut compromettre votre r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Faut-il une assurance cargo si le transporteur est d\u00e9j\u00e0 assur\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. La responsabilit\u00e9 l\u00e9gale du transporteur est plafonn\u00e9e (~4,41 $\/kg au Canada selon la Convention) \u2014 largement insuffisant pour la plupart des marchandises. L'assurance cargo comble cet \u00e9cart et couvre la valeur r\u00e9elle de vos biens.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance cargo au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le tarif varie selon la valeur, le type de marchandise, le mode de transport et la destination. Comptez entre 0,10 % et 1,5 % de la valeur assur\u00e9e par exp\u00e9dition. Pour un volume annuel r\u00e9current, une police ouverte offre de meilleurs tarifs. Obtenez votre prix exact via notre soumission commerciale en 3 minutes.\"}}]}<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\"><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3><div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\"><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> (Autorit\u00e9 des march\u00e9s financiers) certified firm<\/span><\/div><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Brokers who are members of the <strong>ChAD<\/strong><\/span><\/div><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Network of <strong>13 brokerage firms<\/strong> in Quebec<\/span><\/div><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> of any insurer<\/span><\/div><div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+ insurers<\/strong> compared in 3 minutes<\/span><\/div><\/div><\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\"><p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p><h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Ready to secure your shipments?<\/h3><p style=\"color:#94a3b8;margin:0 0 28px;\">Free cargo quote in 3 minutes. Comparison 9+ insurers. Personalised advice on the AMF.  <\/p><a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a><a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde Call a Broker<\/a><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance commerciale\", \"item\": \"https:\/\/assur360.ca\/assurance-commerciale\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance cargo Qu\u00e9bec 2026 : protection marchandise en transit\", \"item\": \"https:\/\/assur360.ca\/assurance-cargo\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Shipping goods within Canada, the U.S. or internationally? Cargo insurance protects the value of your goods in transit against loss, theft, damage [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18284,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Cargo Insurance 2026 | Merchandise Protection | Assur360","_seopress_titles_desc":"Cargo insurance for goods in transit by land, sea and air. All-risk, open policy, incoterms. 3 min quote, AMF broker.  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