Specialized Passenger Transport Coverage — What We Provide
The right transport insurance program is never a single policy. It's a mix of core protections and specialized extensions that cover the real-world risks of moving people.
Passenger Hazard Liability
Protects against injuries or property damage involving passengers while boarding, riding, or exiting.
Commercial Auto Liability
Required coverage paying when your vehicle causes harm to others in an at-fault accident.
Physical Damage Insurance
Repairs or replacement after collision or non-collision losses including fire, theft, or vandalism.
Hired & Non-Owned Auto (HNOA)
Protects when employees use personal or rented vehicles for company business.
Medical Payments / Accident Benefits
Pays medical and rehabilitation costs for passengers and drivers without legal delays.
Assault & Battery / Abuse & Molestation
Specialized protections for incidents unique to passenger transport settings.
Tips for Passenger Transport Operators
Improve safety, compliance, and costs without gaps in coverage. Compare Quotes Independent brokers can secure competitive terms across multiple insurers. Strengthen Compliance Keep permits, endorsements, and filings current to avoid disruptions. Use Telematics Safety and telematics programs can reduce premiums and losses over time.
Why Choose Qubit for Passenger Transportation Insurance in Quebec
We're more than a policy provider; we're your long-term insurance partner. As insurance brokers in Montreal, the role is to anticipate your risks, keep you compliant, and make sure you're supported when the unexpected happens.
1
Independent Brokerage — More Options, Better Fit
Unlike a direct insurer, we're not tied to one company. We shop across national carriers and niche transport insurers to secure competitive terms.
2
Expert Compliance, Handled for You
Quebec's transportation sector is tightly regulated. From SAAQ requirements to CTQ permits and municipal endorsements, one missing certificate can disrupt your operations. We handle the paperwork, file the endorsements, and keep your business running without costly interruptions.
3
Coverage Built Around Your Operation
We don't believe in one-size-fits-all. Whether you're carrying 5 passengers or 50, whether you serve local municipalities or cross-border routes, we design coverage that fits.
4
Cross-Border Filings for U.S. Routes
If your vehicles operate in the U.S., maintaining authority is non-negotiable. We manage MCS-90 filings and monitor renewals so you can focus on driving revenue instead of chasing paperwork.
5
Claims Advocacy from First Notice to Settlement
When accidents happen, you need more than an adjuster; you need someone on your side. We coordinate every step of the claims process, advocate for fair outcomes, and minimize delays so you're back on the road quickly.
6
Annual Program Reviews
Transportation evolves: new vehicles, expanded routes, changing driver rosters. We revisit your program annually, adjusting limits, endorsements, and deductibles so your insurance always matches your reality.
7
Cost-Effective Solutions Without Compromise
Our goal isn't just to cut your premium. It's to lower your total cost of risk. Through competitive placement, safety program integration, and negotiation, we keep premiums manageable without sacrificing coverage.
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Passenger Transportation Insurance Coverage in Quebec — The Right Protection for Every Mile
As Quebec's independent brokerage specializing in passenger transportation insurance, we understand that every operator faces unique challenges, from strict municipal requirements to unpredictable claims. Whether you run a city bus route, manage a charter fleet, or provide hotel and airport shuttle services, your business can't rely on cookie-cutter policies. It needs carefully tailored coverage backed by a brokerage that knows the regulations, the risks, and the realities of passenger transport.
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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Clients
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5 Star Reviews
Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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Solutions for Buses, Shuttles, Taxis & Rideshares
Every service model carries distinct risks. We tailor solutions to your vehicle type and operation style.
Bus & Commercial Bus Insurance
Managing a fleet—private or public—requires high-limit liability policies, structured fleet programs, and sometimes cross-border solutions. We design multi-terminal programs and negotiate pricing that reflects your fleet as a whole, not just individual vehicles.
Shuttle & Paratransit Insurance
Airport, hotel, and paratransit services operate under close regulatory oversight. We provide permit-ready certificates and endorsements so you never face a compliance delay. Our coverage scales whether you run a single van or a regional shuttle network.
Taxi & Rideshare Insurance
Using a personal policy for remunerated transport puts your business at risk; claims can be denied or only partially covered. We help you secure the right commercial auto insurance that accounts for both private use and revenue-generating activity, ensuring proper protection every time you’re on the road.
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General Estimate for Passenger Van Insurance in Quebec
There’s no universal premium for passenger van insurance. Quotes vary widely depending on:
- Vehicle type and seating capacity
- Driver experience and safety records
- Operational radius (local vs. provincial vs. cross-border)
- Claims history and past loss runs
Chasing a low upfront number often leads to gaps in coverage. Instead, we help you manage your total cost of risk by placing coverage competitively, building safety programs that lower premiums over time, and re-marketing policies annually.
How to Get a Passenger Transport Services Insurance Quote
- Share vehicle and seating details
- Provide driver lists and experience
- Send loss runs (3–5 years)
- Confirm routes, municipalities, and any cross-border needs
- We compare markets and present options with clear terms
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