Spécialistes en assurance transport et logistique du Québec

Transportation Insurance in Canada: Comprehensive Solutions with Qubit Insurance

The transportation industry faces unique risks and regulatory requirements that demand specialized insurance coverage. Whether you operate commercial trucks, passenger vehicles, or cargo transport services, protecting your business with comprehensive transportation insurance is essential for sustainable operations.

At Qubit Insurance, we specialize in providing tailored transportation insurance solutions across Canada, with particular expertise in Quebec's regulatory landscape. From commercial trucking to passenger transport and cargo insurance, we have the coverage options to keep your operations protected and compliant.

Qubit Insurance's Comprehensive Transportation Solutions Across Quebec

Built for local, regional, interprovincial, and cross-border insurance needs:

• Commercial auto liability insurance limits up to $10M (risk-based)
• Physical damage insurance (collision/comprehensive) with agreed value options
• Non-trucking liability insurance
• Trailer interchange insurance for non-owned trailers
• Hired & non-owned auto insurance (HNOA)
• Downtime/rental reimbursement insurance (if applicable)
• Cargo legal liability insurance and garage liability insurance (if applicable)

Qubit Insurance maintains direct appointments (subject to underwriting and availability) with national and niche container transportation insurance companies, including specialized commercial truck insurance companies. This breadth expands underwriting appetite, sharpens terms, and strengthens renewal leverage.

Structured for passenger safety and municipal insurance compliance:

• Passenger transport services insurance (limits vary by seating/jurisdiction)
• Medical payments/accident benefits insurance (jurisdiction-dependent)
• Permit-ready insurance certificates and endorsements (verified pre-binding)
• Optional assault & battery insurance and abuse & molestation insurance
• Garage/terminal liability insurance where exposure exists

End-to-end cargo insurance for freight value and contract obligations:

• All-risk Complete cargo insurance with replacement cost, book value, and market value
• Reefer breakdown/temperature deviation insurance
• Warehouse-to-warehouse insurance continuity (avoid terminal gaps)
• Debris removal and Environment Liability insurance sublimits (where offered)
• Stock throughput insurance integrating transit and inventory
• Coverage for specialized and high-risk goods such as aircraft parts, specialized goods transportation, dangerous goods, recycled materials, recycled waste, and scrap

Purpose-built medical transport insurance for EMS and NEMT providers:

• Commercial auto liability insurance
• Professional liability insurance for EMT/paramedical staff
• Medical malpractice insurance
• Patient handling and care liability insurance
• Equipment breakdown insurance
• Contingent/excess liability insurance to satisfy contracts
• Dry Van Trailers Insurance, Flatbed Trailers Insurance & Livestock Transport Insurance
• Additional insured, waiver of subrogation, primary/non-contributory endorsements
• Earned freight, reefer breakdown, difference-in-conditions cargo insurance
• Sudden & accidental pollution insurance endorsements/sublimits
• Contract-specific insurance wording for shipper/broker and facility terms
• Excess/umbrella liability insurance for higher limits
• Cyber/crime insurance for cargo theft, social engineering, and ELD/telematics risks

Qubit Insurance's fleet programs are designed to scale with your operations

• Blanket insurance coverage for new units within agreed parameters
• Safety-based schedule rating and experience-mod improvement strategies
• Telematics-based insurance savings programs (where available)
• Multi-terminal and cross-border insurance program design
• Structured insurance loss control with clear reporting and analytics

Get your Quebec transportation insurance quote today — Talk to our Certified Insurance brokers who understand your business

Quebec Transportation Laws and Compliance — Expert Guidance You Can Rely On

Vehicles operating in Quebec must carry at least $50,000 in civil liability insurance. In practice, many commercial operators carry 1 Million or more in liability insurance to reflect real exposures and meet municipal permit and shipper/broker contract requirements.

Qubit Insurance understands local laws and aligns insurance programs accordingly.

Insurance limits, forms, and endorsements vary by municipality and operation type (e.g., taxi, shuttle, charter bus). We verify current local requirements and issue permit-ready insurance certificates/endorsements prior to binding to avoid delays at facilities or inspections.

Insurance limits, forms, and endorsements are set by law under the Civil Code and the Automobile Insurance Act, not by municipalities. The Commission des transports du Québec (CTQ) applies the same requirements province-wide.

We verify the applicable provincial or state requirements and issue permit-ready insurance certificates/endorsements prior to binding to avoid delays at facilities or inspections.

TDG obligations — training, documentation, safety marks, emergency response policies, and insurance/financial responsibility — depend on UN ClassNameification, shipment quantity (Less than Truckload or Full Truckload), and route.

We tailor insurance coverage to match the specific commodity risks and contract terms, coordinating 24/7 emergency response where required by regulation or agreement.

Interstate carriers or Cross border carriers typically require federal financial responsibility with an MCS-90 insurance endorsement. Common minimums include:

• $750,000 for for-hire nonhazardous property
• $1,000,000 for oil/hazardous substances (non-specified categories)
• $5,000,000 for specified hazardous materials

MCS-90 is a federal financial responsibility endorsement for public protection; it is not cargo insurance. Requirements vary by commodity, vehicle/seating, route, and jurisdiction.

We confirm specifics before binding and support ongoing insurance filings to help maintain uninterrupted authority

Claims Support That Stays with Quebec Operators

• Claims support once the insurer's 24/7 incident intake has been filed, with rapid broker follow-up to assist the client
• Single-point insurance claims advocate coordinating adjusters, repair facilities, and third parties
• Evidence/documentation support (statements, photos, ELD/telematics data, vendor reports)
• Clear progress updates and settlement advocacy to reduce downtime, with the option to consult special claims investigators or external experts if required

What Qubit Insurance Needs to Quote Quebec Transportation Insurance Faster

• Vehicle schedule (VINs, values, usage, radius)
• Driver list (licenses, experience, MVR history)
• Loss runs (3–5 years)
• Commodities, lanes, and key contract/facility requirements
• Safety programs and telematics details (if applicable)
• Permit/filing needs (municipal, FMCSA/MCS-90, etc.)

Qubit Insurance's proven strategies to lower your total insurance cost of risk without coverage gaps

• Competitive insurance marketing: multiple quotes and negotiated terms
• Strategic insurance bundling: coordinate auto, cargo, property, liability, and workers' compensation where appropriate
• Telematics ROI: safer driving and better vehicle health; filed insurance credits may apply
• Insurance loss control: driver qualification/MVR, maintenance protocols, routing, and disciplined claims practices
• Annual insurance optimization: re-marketing, endorsement tuning, and limit/deductible calibration to match contracts and current loss trends

Get Your Transportation Insurance Quote Today

Protect your transportation business with comprehensive coverage from Qubit Insurance. Contact our experienced brokers today for a customized quote that meets your specific needs and regulatory requirements.

Disclaimer: Insurance features, limits, endorsements, credits/discounts, carrier availability, and timelines are subject to underwriting, eligibility, jurisdiction, and policy terms. Municipal, TDG, and cross-border requirements vary; Qubit Insurance confirms applicable insurance rules for Quebec operations before binding and issuing certificates/filings.