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Oracle RMS Insurance

Transportation & Logistics Insurance

Industry Insurance — Oracle RMS Insurance

Transportation & Logistics Insurance

Insurance for trucking companies, freight brokers, couriers, and logistics businesses across Canada.

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Transportation and logistics businesses face significant liability and property exposures — from serious auto accidents and cargo losses to freight broker liability and environmental spills. The regulatory environment for commercial trucking is complex, and the financial consequences of being underinsured can be severe. Oracle RMS works with trucking companies, freight brokers, couriers, and logistics businesses to build comprehensive insurance programs.

Who needs this coverage?

Trucking companies, freight brokers, couriers, last-mile delivery businesses, moving companies, logistics service providers, and any business that transports goods for hire.

Key coverages

  • Commercial auto liability (mandatory)
  • Cargo / freight insurance
  • Physical damage (trucks and trailers)
  • Freight broker liability
  • Pollution liability (spills)
  • Commercial general liability
  • Business interruption
  • Umbrella / excess liability
  • Non-owned trailer coverage

Frequently Asked Questions

What insurance is required for commercial trucking in Canada?
Commercial trucks operating in Canada must carry third-party liability insurance with minimum limits set by applicable provincial highway traffic legislation. Carriers operating across provincial or international borders must also comply with federal requirements under the Motor Vehicle Transport Act.
What is cargo insurance?
Cargo insurance covers the goods you are transporting against loss or damage in transit — from theft and collision to fire and water damage. It is separate from your commercial auto policy, which covers the vehicle but not the cargo inside it.
What is freight broker liability insurance?
Freight broker liability (also called contingent cargo liability) covers freight brokers against claims arising from cargo losses when the carrier they arranged fails to pay the claim. It is essential for any business that arranges transportation without operating the vehicles.
Does commercial auto cover pollution from a spill?
Standard commercial auto policies exclude pollution liability. If your trucks carry hazardous materials, a pollution liability endorsement or standalone policy is needed to cover cleanup costs and third-party claims from a spill.
How are trucking insurance premiums calculated?
Premiums are based on the type of cargo hauled, annual kilometres, territory of operation, driver records, vehicle type and age, and claims history. Carriers hauling hazardous materials or operating in high-risk corridors pay higher premiums.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.