Oversize Trailer Insurance

Wide, long, or bulky loads call for special care. 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. Find out how and when the right oversize trailer insurance coverage can come to your aid.

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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 sufficiently trained to handle over-dimensional loads, they’re also restricted in terms of driving hours and routes to take.

Working within these limitations isn’t impossible, but it can bring about bigger risks. We’ve developed a policy tailored to oversize trailer operators, including features like:

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

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!

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 en 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.

Cargo Insurance

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.

Automobile Insurance

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.

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 oversize trailer operation 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 oversize trailer business?

Get a quote now!

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