Your Dedicated Montreal Trucking Insurance Partner
Navigating the Port of Montreal, the Lachine logistics corridor, and the A-20 / A-40 / A-15 interchanges requires more than just a standard policy. It requires a partner who understands the local landscape.
As an independent, AMF-certified insurance brokerage, Qubit Insurance doesn't work for the insurance companies; we work for you. We bridge the gap between Quebec’s SAAQ "no-fault" system and the private liability you need to operate across Canada and the United States. Whether you are an owner-operator or manage a growing fleet, we secure the specific endorsements that keep your wheels turning.
Primary Liability Insurance
Mandatory for heavy vehicles (GVWR 4,500 kg+). We ensure you meet the minimum $1,000,000 civil liability required by Quebec law, while typically recommending $2,000,000 to $5,000,000 for cross-border operations.
Motor Truck Cargo Insurance
Protect your freight against theft, fire, and damage. In 2026, standard $100,000 limits are often insufficient; we help you secure $250,000+ limits to satisfy high-value shipper contracts.
Physical Damage (Comprehensive & Collision)
Choose between Agreed Value and Actual Cash Value. We protect your investment against Quebec’s severe weather, road hazards, and theft, ensuring quick repairs to minimize downtime.
Specialized Trailer Coverage
Coverage for Dry Vans, Flatbeds, Tankers, and Temperature-Controlled units. Note: For 2026, most insurers require reefer units to be under 12 years old for full breakdown coverage.
Bobtail & Non-Trucking Liability
Crucial protection for when your truck is operating without a trailer or for non-business purposes. We eliminate the "grey areas" that lead to denied claims.
Fleet & Logistics Management
Scalable solutions for 5+ units. We utilize telematics data and PEVL safety record optimization to help you negotiate lower premiums and improve your risk maturity.
Why Montreal Carriers Choose Qubit Insurance
- We Navigate Quebec’s Unique 9% Tax: Unlike GST/QST, the provincial insurance tax is not refundable. We help you structure your premiums to maximize your profit margin.
- PEVL Safety Record Optimization: Your safety record is your currency. We provide advice on how to maintain a clean record to qualify for "Preferred" rates with top-tier insurers.
- Cross-Border Compliance Expertise: If you cross into the US, you need US DOT and FMCSA-compliant filings. We handle the paperwork so you stay legal at the border.
- Bilingual & Independent: Clear advice in English, French, and multiple other languages. We compare 25+ insurers to find the one that fits your specific cargo type.
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Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Exceptional Service
Claims Support
Availability to Help
Competitive Prices
Unbiased Advice
100% Reliable
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Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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