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Fleet Insurance

Business
Fleet Insurance

For more info, contact

Steve Montcalm

Vice President, Partner

Deanna Scott‑Robinson​

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.

Work with an expert who understands your business.

Our transportation and fleet expert, Steve Montcalm, understands 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 take the time to understand the risks you face and coverages you need to guard your livelihood on the road.

An experienced broker can make a big difference in your business. With over 20 years’ experience in Transportation and Fleet Insurance, Steve is actively involved with the National Capital Heavy Construction Association (NCHCA), Landscape Ontario (LO, Ottawa Chapter), Commercial Landscape Association of Eastern Ontario (CLAEO), and Ottawa Construction Association (OCA and OYCL).

Our expert will do an assessment based on your specific business needs and tailor the coverage you need to protect your operation, and will be straight forward with what you don’t. Connect with Steve.

FLEET BUSINESSES WE WORK WITH:

  • BUSING

    • School Buses
    • Motorcoaches
  • TRUCKING

    • Dump Trucks
    • Tow Trucks
    • Milk Trucks
    • Tankers
    • Couriers
    • Transport Trucks
    • Sand & Gravel Trucks
    • Long Haul Trucks
    • Delivery Trucks (Wholesale &Retail)
    • General Freight
    • Refrigerated Trucks
    • Logging Trucks
  • COMMERCIAL VEHICLE

    (more than 5 cars/trucks in your business operations)

FAQ

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 if your operation extends across borders to the United States of America, have the correct fillings done if required.

How is my cargo covered?

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.

Do I need special insurance for refrigerated goods?

Yes. It’s a rider we add to your Motor Truck Cargo Coverage called Reefer Breakdown.

Reefer Breakdown coverage is also required if you are transporting fresh food, meats, dairy, etc. with a refrigerated truck and/or trailer.

How does my CVOR affect my insurance premium?

Right now, CVORs are an integral part of your fleet business in Ontario.

Having a broker that understands the ins and outs of your CVOR and is able to help best place your coverage to have the policy suited for your needs can be a game changer. Our team of experts has the experience to understand your business and connect you with the industry partners that can help get you organized and on the road.


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
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
        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.





          Permission to Carry Passenger

          Permission to Carry Passenger

          Otherwise known as Passenger Hazard, when the passengers are your cargo.

          Otherwise excluded from general auto policies, this coverage is an endorsement added to extend your vehicle coverage allowing you to transport passengers for compensation. Meaning you are protected to in the event of property damage or bodily harm caused by you, your business or your employees to a third party while transporting people from point A to to point B as a part of your business operation. 

          Commercial Auto Liability

          Commercial Auto Liability

          The core of your business needs to be properly protected.

          Working with a broker who understand your business ensures you have the proper coverage in place including the appropriate liability limits and consideration for risk management and strategic planning in your business to ensure your most valued assets are protected. 

          Commercial General Liability

          Commercial General Liability

          An essential for all business operations.

          Icon Market
          Icon Market

          In the event of property damage or bodily harm caused by you, your business or your employees to a third party, a comprehensive Commercial General Liability Insurance policy should protect you from litigation, out-of-court settlements, and judgements awarded by the courts.

          Learn more about Commercial General Liability.

          Commercial Property Liability

          Commercial Property Liability

          A fundamental coverage for the bricks and mortar of your shop.

          In broad terms, this coverage protects your buildings, contents and inventory. This means everything that is used for business, that doesn’t leave the shop, is covered under contents and equipment in your property liability policy.

          Wharehouseman’s legal liability

          Wharehouseman’s legal liability

          A must for retail and wholesale operations.

          This coverage protects stock, customers goods in the care custody and control of the transportation operation, while it’s in the warehouse.