Tanker Truck Insurance in Quebec - Qubit Insurance
Qubit Insurance is an AMF-licensed independent brokerage based in Montreal. We specialize in insurance for tanker and bulk transport operators in Quebec. Our goal is to help you stay compliant, protected, and ready for any contract that comes your way.
What Tanker Insurance Covers
Transporting liquid cargo is one of the most demanding and high-risk jobs in commercial trucking. Each trip involves precision, regulation, and responsibility. A minor mistake like an unsecured valve, a contaminated tank, or a spill during unloading can cause environmental damage, property loss, and significant legal costs.
Standard trucking insurance is not enough. It does not cover contamination, pollution cleanup, or environmental liability. Tanker insurance is built specifically for these exposures. It protects your vehicles, your cargo, and your legal obligations.
Tanker insurance combines multiple policies into one comprehensive package. It safeguards your assets, cargo, and legal responsibilities while meeting contract and regulatory requirements.
Commercial Auto Liability
Covers bodily injury and property damage caused by your vehicle.
Physical Damage (Collision and Comprehensive)
Protects your truck and attached tank against damage or loss from collision, fire, theft, or vandalism.
Motor Truck Cargo
Covers the liquid cargo you transport against loss, contamination, or spillage. Limits should match the maximum load value you carry.
Transportation Pollution Liability (TPL)
Essential for all tanker operators. Covers cleanup, remediation, and third-party damage after a spill or leak.
Product Contamination or Mixing
Covers losses caused by residue, improper cleaning, or accidental mixing of incompatible liquids.
Wrong Delivery or Misdelivery
Pays for cleanup and replacement costs when the wrong product is pumped into a customer's tank.
Why Choose Qubit for Commercial Tanker Insurance
Tanker operations require an insurance broker who understands the risks, regulations, and responsibilities unique to liquid transport. Qubit Insurance is not a call centre or a one-size-fits-all broker. We are commercial transportation insurance specialists who build programs tailored to your operation.
Why Haulers Trust Qubit
- Expert Knowledge of Tanker Risks: We understand the causes and consequences of spills, contamination, and environmental liability. Our auto insurance brokers are trained specifically for tanker insurance.
- Tailored Coverage for Every Fleet: We design fleet insurance policies around what you haul, where you operate, and what your clients demand.
- Full Regulatory Support: We handle all compliance documentation for SAAQ, CTQ, TDG, ERAP, and MCS-90 filings to keep your fleet operational and contract-ready.
- Claims Assistance and Advocacy: If an incident occurs, we coordinate adjusters, insurers, and cleanup teams to protect your business and reputation.
- Local Expertise, Bilingual Service: Based in Quebec, we understand the region's weather, roads, and regulations, and we serve you in both English and French.
Types of Liquids and Their Tanker Coverage Needs
Transporting liquids in bulk is a high-risk operation that requires specialized protection. Tanker insurance (also known as tanker truck insurance) safeguards carriers from financial losses. Every liquid type presents unique hazards. Qubit provides tailored coverage designed for each tanker operation and its compliance requirements.
1
Fuel and Petroleum Tankers (Hazardous)
Fuel and petroleum carriers face some of the highest risks in the transport sector. Gasoline, diesel, and heating oil can ignite or cause large-scale pollution if spilled.
Recommended tanker truck insurance includes:
• Auto Liability and Third-Party Liability (TPL) for road incidents
• Physical Damage coverage for costly repairs
• Umbrella or Excess Liability for catastrophic loss protection
2
Chemical and Corrosive Tankers (Hazardous)
Tanker trucks carrying acids, solvents, and corrosive fluids require tanker insurance that accounts for toxic exposure, chemical reactions, and environmental cleanup.
Essential coverages:
• TPL and Environmental Liability for pollution events
• Product Contamination Protection
• ERAP compliance coverage for regulatory readiness
3
Asphalt and Heated Product Tankers (Hazardous)
Bitumen and emulsions must be maintained at precise temperatures. Heater failure or product solidification can halt delivery and damage the tanker.
Recommended coverage:
• Temperature Deviation and Cargo Insurance
• Physical Damage for handling system issues
• Specialized tanker truck insurance for equipment and heat control
4
Food-Grade Liquid Tankers (Non-Hazardous)
Transporting milk, syrup, juices, and edible oils demands clean, contamination-free systems. A single residue trace can ruin an entire batch.
Coverage options:
• Cargo and Spoilage Insurance
• Product Mixing coverage for cross-contamination risks
• Tanker insurance customized for food-grade transportation
5
Alcoholic Beverage Tankers (Non-Hazardous)
Wine, beer, and spirits are sensitive to temperature and purity.
Protection options:
• Cargo Insurance for loss or rejection
• Temperature Control coverage for quality preservation
6
Waste and Industrial By-Products (Hazardous)
These hauls carry sludge, oily water, and effluents that pose major environmental hazards.
Key coverages include:
• High-limit TPL for cleanup costs and third-party claims
• Environmental Liability designed for waste transporters
7
Water and Fertilizer Tankers (Low Hazard)
Even low-hazard cargo can create significant property or soil damage during transport.
Ideal coverage includes:
• Cargo Insurance for value protection
• Moderate-limit TPL for incidental spills
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Partner With Qubit Insurance
You transport the products that power industries, feed communities, and keep Quebec moving. One mistake should not threaten your business. Qubit Insurance provides coverage that matches the complexity of your work, customized, compliant, and supported by a local team that understands tanker operations.
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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How to Reduce Your Tanker Insurance Premiums
Insurance premiums depend on your safety record and risk management. Strong programs lower your cost over time.
Key Ways to Lower Premiums
- Driver Training: Maintain TDG and spill-response certifications. Provide refresher sessions annually.
- Telematics and Dashcams: Install systems that record driving behavior and incidents. They reduce false claims and improve accountability.
- Fleet Maintenance: Keep inspection logs for valves, hoses, tanks, and pumps.
- Standard Operating Procedures: Use written guidelines for loading, unloading, and emergency response.
- Smart Deductibles: Higher deductibles can lower your premium if your fleet can absorb minor losses.
- Work With a Specialist: Qubit negotiates with multiple insurers that compete for your business, driving costs down.
Setting Up a New Tanker Policy
To get accurate and fast quotes, prepare complete operational details. Qubit can usually provide quotes within 24 hours once all documents are received.
Required Information
- Vehicle and trailer list with VINs and values
- Driver roster and experience details
- List of commodities with UN numbers
- Main routes and terminals
- Three to five years of loss history
- ERAP or spill response plan (if applicable)
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