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Fleet Insurance

Business
Fleet Insurance

For more info, contact

Steve Montcalm

Vice President, Partner

Diane Jacobs

Account Manager

If you or your business own and/or lease multiple vehicles, fleet insurance allows you to cover those vehicles under one comprehensive policy. This type of coverage may include temporary vehicle replacement and a liability extension to rented vehicles.

Your broker needs to understand the risks you face and coverages you need to guard your livelihood. We understand that downtime of a vehicle has impacts on your business. A broker with experience supporting fleet and transportation clients will make a big difference.

In the media:

Steve Montcalm, Vice President and Partner at Gifford Carr Insurance Group, sits down with Jason Cuddy on the Transportation Exchange Podcast to discuss Fleet Insurance. They discuss everything from the impacts of covid in fleets to importance of working with a provider that specializes in fleet insurance and the support from a broker that understands the unique needs of your business through a claims process.

With so many factors affecting fleet insurance, it is more critical than ever to fully understand the coverage you need.

FAQ

How long have you been specializing in Transportation and Fleet insurance?

There is a lot more to quoting a Tractor Trailer, Dump Truck, Specialty Equipped Truck or School Bus compared to a regular car. Your Broker needs to understand the risks you face and coverages you need to guard your livelihood. An experienced broker can make a big difference in your business. Our team of Transportation Specialists have over 20 years’ experience in Transportation and Fleet Insurance and are actively involved with the National Capital Heavy Construction Association, Landscape Ontario and Ottawa Construction Association.

What are the main factors driving my premium?

Insurance companies base your premium on several factors including your age, driving record, radius of operation, years of verifiable experience, what you are hauling, age of equipment, your previous claims experience, and CVOR (Ontario) to name a few. With so many variables and so many insurance companies rating individual operations differently, it’s important to find the best priced policy and needed coverages for you and have the correct fillings done if required, if your operation extends to the United States.

Motor Truck Cargo Coverage and Reefer Breakdown?

Different types of cargo—grain, lumber, dairy, produce, steel, hazmat, sand and gravel, etc.  —each possess different risks. Your transportation insurance broker should understand exactly what you are hauling and offer a broad form Motor Truck Cargo to cover you when necessary. If you don’t have a broad form cargo policy, you should know exactly what loss scenarios are not covered. Reefer Breakdown coverage is also required if you are transporting fresh food, meats, dairy, etc. with a refrigerated truck and/or trailer.

What are your payment plan options?

We offer multiple payment plans options that can be customized to your operation. A down payment with monthly installments is certainly the most popular and you should contact one of our brokers to inquire about the different payment options you can choose from.


Let's talk about your fleet.


Let’s talk about your business.

Your Broker needs to understand the risks you face and coverages you need to guard your livelihood.
An experienced broker can make a big difference in your business.

Get in touch
Get in touch
Get in touch
We understand that your time is valuable. Complete the form to connect with your local Gifford Carr broker to get a detailed quote. Trust us to ensure you are protected. So you can focus on what matters.



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        Contact our team
        Contact our team
        Contact our team
        We understand that your time is valuable. Complete the form to connect with your local Gifford Carr broker to get a detailed quote. Trust us to ensure you are protected. So you can focus on what matters.