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HUB International TRANSPORTATION Insurance
British Columbia’s leading source of Transportation insurance solutions
When you bring your business to our TRANSPORTATION specialists at HUB International Insurance Brokers, you receive the combined power of our vast global resources and solid local relationships. Our longstanding relationships with the best providers in the business allow us to deliver the solution that serves you best. With HUB, you can run your business knowing that you are headed in the right direction.

Transportation Insurance 101

Finding the right risk management solution is critical to meeting our customers' unique needs. We invite you to use Our Knowledge to Your Advantage. We feature a group of insurance companies who provide industry-leading products, claims support, loss consulting services and value pricing, as well as an ongoing commitment to insurance capacity for the future.

Our specialized HUB International TRANSPORTATION insurance practice will ensure you receive the best possible fit for your needs. We want you to have a good head start on some of the basics of Transportation.

The Skinny on TRANSPORTATION Insurance for Trucking Companies.

Combining our industry knowledge and commitment to you, we provide the highest level of service to ensure you always get the best policy customized for your operation.

Choose from a broad array of insurance:

  • Automobile Insurance
  • Cargo Legal Liability Insurance
  • Warehouseman's Legal Liability Insurance
  • Commercial General Liability Insurance
  • Garage Automobile Insurance

Automobile Insurance

Third Party Liability
Protects you against legal liability for injuring someone else (i.e., Bodily Injury) or for damages to someone else's property (i.e., Property Damage). It also provides full defense costs should you be sued for such injuries or damages.

Accident Benefits
Indemnifies vehicle occupants for their injury or death sustained during an automobile accident.

Physical Damage

  • All Perils: covers all types of Collision and Comprehensive losses.
  • Collision: covers loss or damage caused by collision with; another automobile, an object or by upset.
  • Comprehensive: a broad range of features not covered by Collision.

Cargo Legal Liability Coverage

Truckmen’s Cargo Liability policy provides legal liability protection to a carrier for loss or damage to cargo while being shipped.

  • Limit per conveyance: covering the cargo while in the course of transit.
  • Terminal Limit: covering the cargo while temporarily discharged at your terminal awaiting further transit.
  • Contingent Cargo Liability: coverage provides investigation, indemnity and defense to a truck broker for third party claims.

Warehouseman’s Legal Liability Insurance

Provides legal liability protection to a warehouse operator for loss or damage to goods while being stored.

Commercial General Liability

Bodily Injury and Property Damage Liability:
Provides insurance against legal liability for bodily injury and/or property damage that occurs as a result of the business operations, other than as provided by the automobile insurance policy.

Personal Injury:
Provides insurance against legal liability for misconduct, such as libel or slander.

Medical Payments:
Provides insurance against emergency medical expenses that an insured may volunteer to a person injured on their premises.

Tenant's Legal Liability:
Provides insurance against legal liability for property damage to business premises leased or rented to the insured.

Garage Automobile Coverage

Provides insurance for:

  • Use of your automobiles by your garage personnel such as test driving vehicles after maintenance or repairs.
  • Use of your customers’ automobiles by your garage personnel such as test driving customers vehicles after maintenance or repair services provided by you.
  • Loss, damage or theft of your customers vehicles while they are in your possession for repairs or maintenance services provided by you.

Frequently Asked Questions

Q .We require Certificates of Insurance for brokered loads, are we fully protecting ourselves by implementing this practice?

A. This requirement is good practice, however there is no information provided on the certificate confirming perils or commodities excluded. In order to further protect your company you can purchase Contingent Cargo Liability coverage. This coverage protects you if you place property of others in the custody of another carrier, and that carrier fails to indemnify the owner of the goods. The best practice is to maintain relationships with reputable business partners.

Q. Does a Trucker need Commercial General Liability coverage?

A. Unless the trucker never leaves his truck (highly unlikely), he needs a CGL policy. Examples of liability exposures where a trucker would need CGL coverage include:

  • Loading and unloading using a mechanical device attached to the truck or trailer.
  • Damaging customers premises.
  • Customers or others on your premises for “business purposes”.

Q. Can our US based operations be covered by our policy?

A. HUB International Transportation can deliver the goods, currently we have 140 employees in the USA.

Did You Know?

…That exclusions are the Fine Print. The most important part of any All Risks Policy is not what is covered but what is excluded. The structure of an All Risk policy is such that everything is covered other than what it is excluded. It is critical to determine what you are not covered for. Read and ask questions about the exclusions, as this is the fine print that needs to be understood.

…Who you are insured by? There are several types of Insurer-Broker relations. Are the actual Underwriters in Canada? What is their financial strength? Do they have the required Transportation sector expertise to represent you in a liability matter? Where will claims be processed and handled? Is there an additional intermediary whom you are not aware of? You need to ask these questions before you purchase the insurance - otherwise you may find that when you really need your policy, the people you are dealing with on the claim are far removed from both you and your Insurance Broker.

For everything you need to know about TRANSPORTATION Insurance and for the best coverage, value and service, contact us today.

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(604) 269-1000

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