Tanker Insurance

Hauling dry cargo can be difficult, but transporting dangerous goods or hazardous material can be downright risky. From driver safety to cargo security to environmental protection, your tanker insurance policy needs to respond in a variety of scenarios – find out what coverage you may need, and when.

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What kind of coverage do tanker trucks and trailers need?

With a shortage of qualified drivers and the hazards of volatile material, tankers are not only at risk of collision (like other types of trucks) but could also face particularly severe consequences if things go wrong.

A fender bender on the highway can go from bad to worse if your liquid bulk trailer is punctured. Trailers with contents under pressure call for close attention when it comes to hooking them up or releasing the pressure. The bottom line is that tankers are exposed to more risk than some other types of trailers, and it’s important to be sure you’re covered.

We’ve developed a policy tailored to tanker 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 tanker 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 tanker insurance come to your rescue?

Volatile loads require careful attention and special safeguards. Entrance and exit ramps, bumpy roads, and sudden stops can cause contents to shift and compromise your control of the vehicle. In the worst cases, this can lead to disaster for your driver, your company, and your surroundings.

Your tanker 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

Hazardous cargo can go up in smoke before you know it

When you haul pressurized cargo – like a liquid propane tanker – you may be more vulnerable to loss. For instance, a puncture or heat source could lead to fire or explosion, endangering your driver and others on the road and potentially leaving you with a total loss of cargo.

A regular business insurance policy could fall short in this case, but cargo insurance would help cover you for the damages or loss. This help from your policy could mean the difference between a financial annoyance and financial disaster.

Automobile Insurance

A collision can be catastrophic for other drivers

A collision involving a tank trailer can have a severe impact on several parties. Imagine this: you’re in charge of a liquid bulk transfer, and the high centre of gravity and sloshing cargo within interferes with your ability to steer. A violent shift in weight causes your tanker to rollover into traffic.

Dealing with the damage to your cargo is one thing; dealing with potentially severe damage to surrounding vehicles can quickly escalate the problem. If your tanker damages other vehicles, you’d look to your commercial automobile coverage to help cover the costly consequences.

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 tanker 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 tanker business?

Get a quote now!

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