Advanced Dump Truck Insurance Coverage Options
Whether you are an owner-operator in Montreal or manage a fleet of tippers across Quebec, your dump truck operations face unique risks. From navigating tight construction sites to hauling heavy loads on public roads, you need more than just a basic policy, you need coverage that meets strict SAAQ and CTQ compliance standards.
At Qubit Insurance, we specialize in transportation insurance. Our insurance brokers in Montreal help you protect your assets, secure your contracts, and stay on the road with policies designed specifically for the excavation, snow removal, and material hauling industries.
Civil Liability Insurance
Mandatory for dump trucks classified as heavy vehicles in Quebec, with a minimum required limit of $1,000,000. This coverage protects your business against property damage and civil liability claims, while bodily injury occurring in Quebec is covered under the SAAQ public no-fault system. Higher liability limits are available for operators working on large construction or municipal contracts.
Physical Damage Coverage
Protects your dump truck against damage caused by collision, fire, theft, vandalism, or severe weather. This coverage is especially important for financed or leased trucks and newer vehicles with high replacement value. Comprehensive and collision options can be tailored based on your risk tolerance.
Motor Truck Cargo Coverage
Covers damage or loss of materials such as gravel, sand, soil, asphalt, or debris while in transit. Cargo limits are often determined by the contract of carriage under the Civil Code of Quebec, making proper coverage essential for contractual and legal protection. This helps reduce disputes, delays, and financial losses tied to damaged loads.
Construction and Job Site Coverage
Standard auto policies may not cover all risks encountered on job sites. We offer Commercial General Liability (CGL) to protect you during loading, unloading, and off-road operations in quarries or municipal projects. This ensures you are protected in environments where standard road-use policies may not apply.
Why our Montreal Dump Truck Insurance Services Stand Out
Truck insurance in Quebec requires specialized knowledge of heavy vehicle regulations and industry-specific risks. Our team works closely with dump truck operators and understands what insurers and regulators expect.
Quebec Trucking Expertise
We specialize in heavy vehicle insurance and understand CTQ registration, SAAQ requirements, and PEVL safety record monitoring.
Coverage Built for Your Operation
Policies are structured for owner-operators, fleets, and for-hire carriers based on real-world use and contract requirements.
Claims Support When It Matters
If an incident occurs, we guide you through the claims process and work with insurers to protect your interests and minimize downtime.
Bilingual, AMF-Licensed Advisors
Our AMF-licensed advisors understand Quebec insurance regulations and provide clear guidance in English or French.
Trusted by Commercial Operators
We work with dump truck operators involved in construction, excavation, municipal work, and material hauling across Quebec.
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Who Needs Dump Truck Insurance
We provide tailored insurance solutions for:
Owner-Operators
Independent drivers who need affordable, compliant coverage to get their NIR (Numéro d’identification du registrant).
Commercial Fleets
Companies running multiple heavy vehicles for excavation, roadwork, or snow removal.
For-Hire Carriers
Operators hauling third-party materials under contract.
Municipal Contractors
Businesses requiring high liability limits ($2M–$5M) to bid on city infrastructure projects.
To provide an accurate quote, we typically require:
- Vehicle details and usage
- Driver information and experience
- SAAQ vehicle registration
- CTQ profile number
- NIR (Numéro d’identification du registrant)
- PEVL owner and operator safety records
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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