Transportation Insurance

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Comprehensive 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.

HUB Client Toolbox

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HUB Transportation Insurance Resources

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Increased nuclear verdicts and costs of claims put your business at risk. HUB Drive Excess Liability Shield picks up and protects where your primary and other insurance coverages leave off.

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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

What is transportation insurance coverage? Why is it needed?

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.

What types of transportation coverage are required for businesses?

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.

What factors affect the cost of transportation insurance?

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.

Do transportation insurance policies cover medical transport and other industry vehicles?

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.

Does transportation insurance cover worker’s compensation?

Yes, if drivers are considered employees and not independent contractors