Northbridge Insurance™ combines the history and strength of three leading insurers – Commonwealth, Markel and Lombard Insurance – to provide a comprehensive and innovative suite of solutions. Tailored to the sector, delivered in tandem with the needs of your business,
Northbridge Insurance* provides the depth of expertise required to best support you and your success.
At Northbridge Insurance, we create a policy to fit your unique transportation operations.
Combining our industry knowledge and commitment with your brokers’, we provide the highest level of service to ensure you always get the best policy customized for you.
Choose from our broad array of insurance:
We want to be more than your insurance company. We want to be your partner in success.
Being committed to understanding your business, combined with our specialized expertise, allows us to help you identify ways to reduce your insurance costs – including identifying high-premium jurisdictions, premium route costs, and cargos, as well as providing premium benefits for your achievements in safety and hazard management.
Automobile Insurance
Third Party Liability
Third Party Liability (known as Civil Liability in Quebec) insurance protects you against legal liability for injuring someone else (i.e., Bodily Injury) or for damages to someone else's property (i.e., Property Damage). It also provides full defense costs should you be sued for such injuries or damages.
Accident Benefits
Accident Benefits indemnifies vehicle occupants for their injury or death sustained during an automobile accident.
Features and options include:
- Funeral Benefits: payment towards funeral expenses of those killed in an automobile accident.
- Death Benefits: payment following the death of an insured person.
- Disability Income Benefits: weekly reimbursement of lost wages or other income according to a scale stipulated by each provincial regulator.
- Medical Benefits: reimbursement for the cost of medical treatment not covered by any medical, surgical, dental or hospital plan or law, and various rehabilitation costs.
Features, benefits and options vary according to the regulatory requirements of each province.
Automobile Physical Damage Coverage
- All Perils: covers all types of Collision and Comprehensive losses.
- Collision: covers loss or damage caused by collision with; another automobile, an object or by upset.
- Comprehensive: a broad range of features not covered by Collision.
- Specified Perils: a limited form of protection for loss or damage caused specifically by fire, lightning, theft or attempted theft, windstorm, earthquake, hail, explosion, riot or civil commotion, falling or forced landing of aircraft or falling aircraft parts, rising water, or by the stranding, sinking, burning, derailment or collision of any boat, railcar, truck or other conveyance that is transporting the vehicle.
Loss of Use Coverage
Optional protection covering costs of temporarily replacing a damaged vehicle while being repaired or replaced.
Cargo Legal Liability Coverage
Truckmen's Cargo Liability Policy
Truckmen’s Cargo Liability policy provides legal liability protection to a carrier for loss or damage to cargo while being shipped. Coverage can be tailored to your needs including:
- Limit per conveyance: covering the cargo while in the course of transit
- Terminal Limit: covering the cargo while temporarily discharged at your terminal awaiting further transit
- Loss of Earned Freight Charges: should you have to forfeit freight charges because of an accident during transit
Warehouseman’s Legal Liability Insurance
The Northbridge Insurance Warehousemen's Legal Liability Policy provides legal liability protection to a warehouse operator for loss or damage to goods while being stored.
Coverage can be tailored to your needs, including flexible amounts of insurance at owned and leased warehouse facilities.
Commercial General Liability Insurance
Our Commercial General Liability standard policy is specifically designed for our transportation customers. Features include:
Section A - Bodily Injury and Property Damage Liability:
Provides insurance against legal liability for bodily injury and/or property damage that occurs as a result of the business operations, other than as provided by the automobile insurance policy.
Section B - Personal Injury:
Provides insurance against legal liability for misconduct, such as libel or slander.
Section C - Medical Payments:
Provides insurance against emergency medical expenses that an insured may volunteer to a person injured on their premises.
Section D - Tenant's Legal Liability:
Provides insurance against legal liability for property damage to business premises leased or rented to the insured.
Flexible deductible options
Your choice of deductible options
Deductibles are a great way to reduce premiums by self insuring small losses. We provide the premium reduction up front, and you pay only if you have a loss.
Deductible Aggregate Endorsement:
In severe accidents, deductibles can add up. This coverage is designed for customers who wish to ensure that small deductibles don't add up to more than they can afford.
Miscellaneous coverage
Conditional Release Endorsement:
Provides insurance to pay for the cost of a court bail bond as a result of a motor vehicle accident in which a court appearance is rendered necessary.
Miscellaneous Property Endorsement:
This optional coverage provides broad coverage for miscellaneous property, which is not covered under the automobile policy, used by the insured's trucking operations.
Garage Automobile Coverage
Provides insurance for:
- Use of your automobiles by your garage personnel such as test driving vehicles after maintenance or repairs
- Use of your customers’ automobiles by your garage personnel such as test driving customers vehicles after maintenance or repair services provided by you.
- Loss, damage or theft of your customers vehicles while they are in your possession for repairs or maintenance services provided by you
Coverage is similar to a standard automobile policy, but is specialized for truckers who provide maintenance or repair services to automobiles owned by others.
*Policies underwritten by Markel Insurance Company of Canada. Effective March 1, 2012 the company’s name will change to Northbridge Commercial Insurance Corporation.