Weather and distance
Lake-effect snow off Lake Erie and Lake Ontario can close roads with little warning. Underwriters look at how fleets handle winter, from driver training to when they park trucks. Longer runs also mean more miles per unit, which shapes the rate.
Cross-border and farm freight
Carriers moving freight across the Peace Bridge or other border crossings need to understand that a U.S. policy may need specific wording for Canadian operations. Ask about territory before booking a cross-border load. Farm and dairy hauling brings its own cargo and refrigeration questions.
- Milk and dairy tankers
- Produce and refrigerated food
- Lumber and agricultural equipment
- General freight to Canada
Frequently asked questions
Does my policy cover me in Canada?
Many U.S. truck policies include Canada in the coverage territory, but terms vary. Confirm in writing before cross-border work.