Commercial Auto & Trucking Insurance
Trucking insurance is the most punishing line in Ontario, and the one where the right broker matters most. Sunny specializes in commercial auto and trucking: fleets, long-haul, cargo, and high-risk placements through markets that understand the business.
What's Covered
Fleet & Long-Haul Liability
$1M–$2M liability structured for for-hire trucking, including US exposure and cross-border filings.
Cargo Insurance
Motor truck cargo limits matched to what you haul, reefer, dry van, flatbed and specialized freight.
Physical Damage
Tractors, trailers and equipment insured to proper stated values with sensible deductibles.
CVOR & Compliance Help
Guidance on CVOR, carrier profiles and safety ratings, because your record drives your rate.
High-Risk & Facility
New ventures, new CVORs, poor loss history, placed through standard or Facility markets with a path back to preferred rates.
Short-Term Rental Fleets
Coverage structures for rental and leasing operations, an underserved niche Sunny knows well.
What Ontario Drivers & Owners Should Know
Ontario trucking rates are driven by CVOR record, radius of operation, commodities hauled and driver experience, new authorities pay the most and need a broker who can actually place them. US exposure, reefer breakdown and cargo theft are the claims that sink unprepared operations. Sunny reviews renewals 60–90 days early, because trucking renewals left to the last minute almost always cost more.
Who this is for
- For-hire carriers & owner-operators
- New trucking ventures and new CVOR holders
- Fleets with US/cross-border exposure
- Construction & trade businesses running work vehicles
- Short-term rental and leasing fleets
Commercial Auto & Trucking Insurance: Common Questions
Severity of claims, cargo values, US litigation exposure and CVOR-based pricing all push rates up, especially for new ventures. A specialist broker who shops the right markets (not just the easy ones) is the main lever you control.
Yes. New ventures are hard to place but very placeable with the right broker. Sunny works with markets that write new authorities and structures the program to earn better rates at renewal.
It depends on what you haul, many shippers require $100K–$250K, and some freight needs far more. Sunny matches limits to your contracts so you never lose a load over paperwork.
Yes, liability structures, filings and endorsements for US exposure are part of every cross-border file.
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