Armour Insurance Brokers works with fleet, non-fleet, and owner-operators to ensure that your truck insurance needs are met and that you have the right coverage for your tractor, trailer, and cargo. Known as one of Ontario’s leading Brokerages in the trucking industry, Armour Insurance Brokers prides itself on its industry knowledge. We know trucking insurance, and our knowledge ensures that your business’s trucking insurance coverage keeps your truck – or fleet of trucks – on the road knowing that your tractor, trailer and cargo are well-covered. How are trucking insurance premiums determined? Trucking insurance premiums are determined by three main factors: The type of cargo Factors such as the replacement value of cargo, the lifespan of cargo, and potential clean-up costs of a cargo spill all influence the pricing Where you haul the cargo Claim costs vary by province or state; hauling cargo in an area where a claim costs millions vs. thousands in another area increases the premium Quality of your operation and drivers Considerations such as safety practices and previous claims set the premiums for fleet trucking insurance; non-fleet and owner operators are evaluated based on driver experience & records Whether your fleet makes local deliveries or long-haul trips out of province or country, our Local Truck Insurance and Long Haul Truck Insurance packages have you covered.