Insurance for Dry Vans

Transporting a variety of dry goods means you could face a variety of risks, especially when you cross provincial or international borders. Both long-haul and local carriers will depend on their insurance for dry vans if their business hits a bump along the road.

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What kind of coverage do dry van operators need?

You can run into trouble when you’re moving goods, especially when they’re high-value, hazardous, or otherwise delicate in nature. From loading the pallets into the trailer to crossing the U.S. border to unloading at a temporary storage facility, dry van operators cover a lot of ground – your insurance coverage needs to keep up.

We’ve developed a policy tailored to dry van operators, including features like:

  • Commercial Automobile Coverage
  • Cargo Insurance
  • Commercial General Liability
  • Tenant’s Legal Liability
  • Garage Liability
  • Warehousemen’s Legal Liability
  • Property Insurance

Need more? No problem.

We have other handy coverages for dry van 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!

When can insurance for dry vans come to your rescue?

Problems can arise on and off the road, and when you’re dealing with expensive vehicles and precious cargo, costs can add up quickly.

Your insurance for dry vans 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.

Cargo Insurance

Safeguard cargo while it’s in your care – wherever that may be

Your auto insurance can cover your vehicle and its contents while you’re on the road, but what about when your cargo is standing still? If something happens to your cargo while it’s being stored or unloaded, cargo insurance can help: it’s designed to help cover third-party property while it’s in your custody for up to 30 days or until the cargo is delivered (whichever comes first).
Cargo insurance applies when the cargo is:

  • In a garage
  • At a terminal, depot, or warehouse
  • Being loaded or unloaded
Automobile Insurance

Protect your vehicles from problems en route

Imagine this: you’re hauling your cargo along the highway, traffic slows suddenly, and your truck accidentally rear-ends another vehicle. This is when you would call on your auto coverage – but personal auto coverage likely won’t offer the support you need.

The right commercial automobile insurance can help cover you for physical damage to your vehicle, property damages to the other vehicle, and bodily injury to a third party. Combined with cargo insurance, which would help cover the load you’re carrying for another party, you’ll have the financial support to resolve the situation more quickly and thoroughly.

Commercial General Liability

Accidents happen – be ready for them

When you run a truck or transport business, you probably focus on the risks you may meet on the road or those that could involve your cargo. Unfortunately, there are other potential hazards to consider that are hiding in plain sight, right on your business property.

If you have a terminal or warehouse – even a front stoop – you have potential hazards that could lead to injuries (and lawsuits). Consider a customer or vendor who visits your premises, and while they’re making their way to your front door, they step into a pothole in the parking lot, breaking their ankle. In this case, commercial general liability insurance (CGL) would help protect you if the injured party was to take legal action against your business.

Assistance at every step of the way

On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist services for extra peace of mind.

Legal Assist

Legal Assist

Need legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!

Trauma Assist

Trauma Assist

Losses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.

Risk Management Assist

Risk Management Assist

Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.

Cyber Assist

Cyber Assist

We’ve partnered with CyberScout to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach.

Learn more about how and when our Assist services can come to your rescue!

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.

Managing Risk

We know that risk differs across industries. We also know that your dry van business is unique, and the challenges you face deserve careful consideration and a personalized approach. 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.

Our Risk Services specialists

Our Risk Services specialists

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 behaviours.

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.

Education and resources

Education and resources

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.

Are you ready to set up a comprehensive insurance policy for your dry van transport business?

Get a quote now!

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