Faq

A carrier’s liability is often limited and covers only their negligence. Your own cargo policy provides direct, broader protection for your financial interest in the goods.

An All-Risk policy covers everything except for what is specifically excluded. A Named Perils policy only covers the specific risks listed in the policy.

Yes, most modern cargo policies are “warehouse to warehouse” and provide continuous coverage, including during the processes of loading and unloading.

It can, absolutely. We can craft a policy that provides seamless coverage for your goods, whether they are being shipped across the province or around the world.

This is a shared loss principle in marine law. If a sacrifice is made to save a ship (like jettisoning cargo), all parties share the cost. Your policy covers this.

Typically, it’s the invoice value of the goods, plus freight charges, and often a small percentage (e.g., 10%) to cover additional expenses and anticipated profit.

Generally, you need five or more commercial vehicles to be eligible for ICBC’s Fleetplan, which offers significant discounts. We can find solutions for smaller fleets too.

This depends on the policy. It’s crucial to ensure your policy includes coverage for personal use if you allow it, to avoid significant gaps in protection.

No. Fleet insurance covers the vehicles themselves. You will need a separate Commercial Property or Tools & Equipment policy to protect the contents inside.

Fleet insurance rates are based on the overall performance of the entire fleet, which can help average out the impact of a single driver with a less-than-perfect record.

It’s a simple process. Just contact us, and we can easily make adjustments to your policy at any time to reflect the current makeup of your fleet.

It can. We can add coverage for “non-owned” vehicles to your policy, which protects your business when you or your employees are driving rented vehicles.

General Liability covers physical damages like injury or property damage. Professional Liability (E&O) covers financial loss to a client due to your advice or services.