Transportation Insurance
Commercial Truck
Owner Operator Truck
Last Mile Delivery
Moving and Storage
Limousine
Bus
Auto and Truck Dealer
Shared EconomyComprehensive commercial transportation insurance to put you on the road to success
Whether you're an independent equipment owner-operator or contract motor carrier, a long-haul transportation provider, growing in the last-mile delivery segment or conducting moving and storage operations, HUB has you covered.
When it comes to operating a commercial transportation business, road accidents are not your only concern. Driver performance and shortages, safety issues, challenging economic conditions, business disruptions and other hazards associated with the transport of goods bring new challenges and complex risks that need to be thoughtfully managed and expertly insured. That’s why our seasoned brokers specialize in commercial transportation insurance, offering tailored policies and comprehensive risk management solutions that will meet your needs.
We offer commercial transportation insurance that protects your employees and stakeholders as well as your physical assets, making sure you are protecting all parts of your business. Our brokers can provide coverage against income loss due to an interruption in operations and even help drive recruitment and retention with strategies related to benefits like health, wellness and retirement planning.
With our personalized approach and long-standing relationships with North America’s leading insurance carriers, our commercial transportation insurance specialists can help mitigate exposures at the best price. HUB represents virtually all national and regional insurance markets that specialize in the commercial transportation industry and our broad market access means we’re able to negotiate the most favourable terms and conditions for our clients.
With our deep understanding of the unique practices and needs of your industry, we’ll work with you to reduce costs while creating a risk management and commercial transportation insurance solution designed to keep your business on the road to success.
Contact a HUB commercial transportation insurance broker to get started.
Products & Solutions
Protect what matters most with tailored solutions.
Product
HUB Supply Chain AI Risk Solutions
Stay ahead of disruptions with one complete solution. HUB’s Supply Chain AI Risk Solutions offers proactive protection to help you predict, plan and respond faster.
Learn More
Insurance Solution
Commercial Auto Insurance
Protect your vehicles, drivers and bottom line. Stay ahead of risks with customized commercial auto coverage that keeps your fleet compliant and protected — wherever the road takes you.
Get Started
Risk Services
Fleet Risk Management
Optimize fleet performance and reduce collisions. Our Fleet Risk Management services help you improve driver behaviour, lower accident rates and enhance operational efficiency through data and training.
Learn MoreInsurance Solution
Marine Insurance
Safeguard your cargo and mobile assets. Protect your goods in transit, tools and equipment with flexible marine insurance solutions built for today’s mobile operations and complex logistics.
Explore CoverageAdvisory Service
Claims Management
Turn claims management into a competitive edge. Our claims consultants help you reduce claim costs, speed up resolutions and improve outcomes so you can focus on running your business.
Contact a ConsultantProduct
Employee Benefits
Develop a benefits strategy that supports your employees and evolves to meet their changing needs. We have the expertise, capabilities and analytic tools you need to engage your people.
Learn MoreInsights & Expertise
Navigate change with insights you can trust.
Checklist
Road to Success: How to Strengthen Fleet Safety and National Compliance
Improving compliance to federal and provincial regulations can lead to better insurance outcomes. Learn strategies for enhancing safety and strengthening compliance with national programs.
Download the Checklist
Articles
3 Strategies for Maintaining a Safe and Well-Trained Fleet of Drivers
With persistent driver shortages, fleet operators must ensure drivers are operating safely. Discover how driver training and finishing programs can incentivize drivers and boost recruitment efforts.
Read the Article
Whitepaper
Developing a Data-Driven Incentive Program
Incentivize safe, reliable drivers. Explore how performance-based incentive programs can help retain top talent, improve safety and lower costs.
Download the WhitepaperArticle
Protect Your Business Financially with Hired and Non-Owned Auto Insurance
Many businesses rely on employees to use their personal vehicles in day-to-day operations, which can present unique risks. Learn how hired and non-owned auto insurance can protect your business.
Read the ArticleCase Study
Overcoming Cross-Border Challenges to Secure New Business
Transportation company Sage Freight needed a reliable insurance solution to transport goods into Mexico. Explore how HUB helped them navigate cross-border risks to capture new business.
Download NowStay in the know
Get insurance insights from our transportation industry specialists.
What Our Clients Are Saying
Learn why transportation companies choose HUB for their insurance coverages
“We value both our business and personal relationship with the HUB team, and so appreciate their work to find the best possible insurance solution for our business.”
—Safety/Recruitment Director, George Hildebrandt Trucking
“HUB’s professional advice and guidance allows us to focus on our core business; they understand our business needs and provide solutions that allow us to sleep at night knowing we have the proper coverages in place.”
—Chief Financial Officer, Genox Transportation
“HUB’s knowledge, advice and honesty are highly regarded by Sindall—we truly value your integrity!”
— Vice President, Administration, Sindall Group
Transportation Insurance FAQs
Transportation insurance covers the general risk of running a transportation business, protecting against financial losses from vehicle accidents. While transportation insurance is common in the trucking industry, all businesses with any type of transportation fleet must have transportation insurance, even when transportation is not the organization’s primary business.
Each industry, including construction, retail, energy, medical, agribusiness and others, has its own coverage requirements, but transportation is heavily regulated by both state and federal regulations.
For any type of commercial fleet, coverage for commercial auto liability and physical damage is generally required. The motor carrier coverage form is used for any for-hire trucking company; the business auto form is for other businesses that may have its own vehicles. The motor carrier form includes endorsements or amendments, such as Trailer Interchange coverage.
For-hire commercial truckers will need a stand-alone Motor Truck Cargo policy. This insures the trucker for any legal liability for damage done to cargo.
The following factors affect the cost of transportation coverage: previous losses (i.e., claims history); U.S. Department of Transportation (DOT) and Occupational Safety and Health Administration (OSHA) compliance; Compliance, Safety, Accountability (CSA) scores; vehicle maintenance and driver training programs; and driver retention, as well as the location of the operation and hauling destinations. Underwriters will also look closely at your driver roster and take driver health and motor vehicle report (MVR) record into consideration.
Yes. When transporting people versus property, organizations need commercial auto liability and physical damage policy. Medical transportation vehicles such as ambulances, paratransit and other emergency and non-emergency vehicles have additional, specific requirements and unique endorsements to meet.