A complete temperature-controlled trailer policy protects both the goods in transit and the equipment that keeps them stable. It includes:

Pays for the value of perishable goods damaged due to temperature deviation, whether from delay, power failure, or equipment malfunction.

Covers the cost to repair or replace refrigeration units that fail mechanically or electrically.

Applies during road, rail, or intermodal transportation across Canada and into the United States.

Protects goods exposed to temperature shifts during warehouse or dock handling.

Covers safe disposal of spoiled goods per MAPAQ and CFIA regulations.
Add income loss protection, rental reimbursement, or contamination cleanup for full peace of mind.
Qubit specializes in customized protection for Québec’s transport and logistics industry. As a locally licensed AMF brokerage, we understand every regulation from CTQ cargo liability to SAAQ registration requirements, and we help you stay compliant at every stage. We don’t sell generic policies—every solution we create is built around your operation’s size, routes, and cargo type.
Local Expertise: Deep understanding of Québec’s climate, compliance, and transport laws.
Bilingual Documentation: English and French policies handled by licensed insurance brokers.
Fast Claims: Direct coordination with insurers to reduce downtime.
Personalized Coverage: Designed for your cargo, reefer unit, and business model.
Fleet & Bundling Options: Combine multiple trailers or coverage types to reduce overall costs.
Transparent Process: No hidden clauses, no pushy sales—just honest protection.

1
Québec’s seasonal extremes, from deep winter frost to humid summer heat, can push refrigeration systems to their limit.
Example: A two-hour failure between Montréal and Saguenay could destroy an entire shipment of seafood. This coverage ensures you recover financially instead of absorbing the loss.
2
All transport carriers in Québec must maintain adequate cargo liability insurance. Qubit's AMF-licensed team ensures every policy meets CTQ and SAAQ regulations, keeping your business compliant and audit-ready.
3
Whether hauling frozen produce to Toronto or pharmaceuticals to Vermont, your coverage meets every jurisdiction's legal requirements:
Canadian Compliance: Fulfills CTQ and provincial liability standards.
U.S. Cargo Liability: Aligns with the Carmack Amendment.
MCS-90 Endorsement: Ensures federally mandated financial responsibility for U.S. operations.
4
Instead of unpredictable losses, you pay a fixed annual premium. Most carriers in Québec invest between $2,500 and $7,500 per trailer, depending on cargo type and routes. Fleet operators often qualify for volume discounts and bundled savings on combined vehicle policies.
5
Distributors and retailers increasingly demand proof of reefer and spoilage coverage. Having certified protection demonstrates professionalism and reliability, which are essential for retaining long-term contracts.
For businesses that depend on temperature-controlled deliveries of frozen foods, dairy, pharmaceuticals, or beverages, even a brief equipment malfunction can result in major losses. Temperature-Controlled Trailer Insurance, also called Reefer or Cold-Chain Insurance, is a specialized transportation policy with two core components: it shields your business from cargo spoilage and covers mechanical breakdowns that disrupt your refrigeration systems.Example: Imagine driving from Montréal to Ottawa in –25°C, and your reefer system fails halfway. Within minutes, the shipment could be ruined. With proper coverage, that same crisis becomes just another handled claim, not a financial disaster.At Qubit Insurance, a Montreal-based insurance brokerage, we protect your goods, equipment, and business reputation through compliant, bilingual coverage that extends across Canada and into the U.S.Thousands of Québec carriers rely on Qubit for protection that keeps their operations stable, compliant, and financially secure throughout the year.

Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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