Oversize Trailers Insurance

Oversized trailer crossing a bridge during the day.
Oversized trailer crossing a bridge during the day.

Whether you use a standard flatbed trailer or a specialized trailer to haul your big cargo, you’ll rely on some specific equipment – and you’ll be held to specific regulations. Here’s how the right oversize trailer insurance coverage can help.

What kind of coverage do oversize trailers need?

Hauling oversize cargo is not just about careful driving: appropriate permits, securement, and escort vehicles play an important role, too. While drivers should be trained to handle over-dimensional loads, they’re also restricted in terms of driving hours and routes to take.

When can oversize trailer insurance come to your rescue?

Are you sure you’ve secured that load well enough? Cargo that hangs over the sides or towers above the flatbed can lean, topple, or strike other objects on route if it’s not securely fixed.

Your insurance should be broad enough to respond in a range of situations that could arise between point A and point B, but also deep enough to ease the costly burden of a covered loss. Here are a few scenarios where specific features can come into play.

Coverage for things that get lost along the way

Straps and chains are necessary tools for the oversize trailer, but they don’t guarantee a smooth ride. If the road gets rough, or a sudden stop shifts your cargo, a poorly secured strap could fail and send your load across five lanes.

A regular business insurance policy could fall short in this case, but cargo insurance would help cover you for the damaged or lost cargo. Without this coverage, you could wind up footing the entire bill – and decimating your profits.

Big cargo can mean big collisions (and big consequences)

Losing control of a heavy load can put your cargo – and those around it – at risk. What would happen if a load of heavy equipment slipped from the flatbed and crashed into traffic? The damage could be severe, to the vehicles and their passengers.

Personal auto insurance only stretches so far; when you operate a commercial vehicle, you need coverage to match. Commercial auto insurance can cover your vehicle and drivers if they’re involved in a collision, helping to bear the cost of damage to other parties.

Commercial Truck Filings

Proving that you have enough liability insurance to meet all federal requirements isn’t an option – it’s a necessity. That’s why we help complete and expedite federal filings for our customers who do business in the U.S.

Plans change, and last-minute arrangements can be stressful. When you’re short on time, we can get things moving right away, arranging your financial proof of responsibility quickly so you can stay on track without risking a penalty when you cross the border.

Need more? No problem.

We have other handy coverages for trailer operators, like our Select Endorsement: this extends coverage to include your operations as a freight forwarder or load broker.

When you deal with shipping contracts, you’ll welcome the features of this coverage, including Declared Value of Cargo, Brands and Labels, and Control of Salvage. Your broker can walk you through all the advantages of Select Endorsement.

Managing Risk

Insurance plays an important role, but it’s not everything – you can lean on our industry expertise, library of focused resources, and confident guidance to take your protection and loss prevention to the next level.

The Northbridge Risk Services team is the most experienced in the transportation industry. Our goal is to share with you the tools and resources that will help you identify risks along with opportunities that can add greater value and help improve your bottom line.

Each year, our team conducts over 5,000 risk assessments and service calls for Canadian businesses. We’re committed to serving our customers onsite and offsite, applying our expertise wherever – and whenever – it may be needed.

Risk consulting and advisory is at the heart of our service. Ongoing industry-specific consultations, Collision Trend Analysis, and hazard analysis add significant value to the insurance programs tailored to customers in the transportation industry.

Our High-Risk Driver Program delivers tangible benefits like reduced violations, increased intervention options for high-risk driver management, and the ability to recognize opportunities to change unsafe behaviors.

What happens during a risk assessment? Take a look at what you can expect.

Northbridge offers a number of specialized training courses and programs, from customized Safety Manager Workshops to defensive driving and safety seminars, like our FACTS driving programs.

The Northbridge Risk Services training center has something for every fleet. Connect with our Risk Services consultants for more information about our training offerings.

We know hands-on help is important, but we also want to give our customers the tools they need to help themselves from the very start.

Our library of Risk Insights, along with safety management guides and forms, outline industry best practices and provide safety tips to help you better manage and control risk across your operation.

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* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Management Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.

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