B Smart Insurance provides a purpose-built Motor Truck Cargo facility designed to help brokers confidently place Canadian domestic transportation risks. Backed by experienced underwriting partners and deep expertise in physical commodities, this solution protects goods in transit while supporting efficient placement and long-term client relationships.

With flexible underwriting, strong coverage limits, and a broad commodity appetite, this program enables brokers to deliver tailored solutions for both standard and more complex logistics exposures.

Product Overview

This facility is designed to provide brokers with access to a comprehensive cargo solution that aligns with real-world transportation risks. Coverage is structured to support goods in motion across Canadian domestic operations, from loading to final delivery.

The program is built to balance underwriting discipline with practical flexibility – allowing brokers to place business efficiently while maintaining strong risk quality.

Core Coverage Features

• Substantial Coverage Limits
  Limits of up to $1,000,000 available to protect high-value shipments and diverse cargo profiles.
• Reefer Breakdown Coverage
  Protection for temperature-sensitive goods, including refrigerated cargo exposures (excluding driver-related mechanical failure).
• Flexible Deductible Structures
  Deductible options available up to $5,000 to align with client risk tolerance and pricing strategies.
• Strategic Endorsements
  Includes Additional Insured, Blanket Additional Insured, and Waiver of Subrogation options to meet contractual requirements.

Target Operations & Appetite

This program is focused on core transportation risks that demonstrate operational stability and regulatory compliance.

• Eligible Operations
  Owner-Operators, Private Carriers, and Independent Contractors
• Vehicle Profile
  Primarily Class 8 tractors and trailers
• Regulatory Requirements
  Active NSC and/or MC authority required at time of binding

Commodity & Industry Coverage

Designed to support a broad spectrum of cargo types across Canadian domestic transportation operations:

• Industrial & Construction Materials
  Aggregates, lumber, metals, chemicals, and oilfield equipment
• Consumer & Commercial Goods
  Electronics, appliances, furniture, retail merchandise, and paper products
• Agricultural & Food Products
  Grain, feed, seed, produce, frozen goods, and bulk consumables
• Specialized Freight
  Machinery, building components, packaged freight, and containerized goods

This wide commodity appetite allows brokers to consolidate placements under a single, reliable cargo facility.

Underwriting & Risk Considerations

The program prioritizes well-managed operations with clear documentation and strong compliance practices.

• Operational Geography
  Defined radius of operations supported by IFTA documentation
• Loss History Review
  Five-year loss runs required where available
• Submission Requirements
  Completed application, commodity list, and operational details for accurate underwriting
• Risk Discipline
  Focus on compliant operators with stable, documented logistics practices

Ineligible or Restricted Risks

To maintain portfolio integrity, certain high-risk exposures are excluded or limited, including:

• Hazardous or explosive materials
• Arms, ammunition, and regulated goods
• Household movers and towing risks
• Oversized or specialized loads requiring escorts
• High-risk or unconventional transportation operations

Broker Advantages

B Smart Insurance is built to support brokers throughout the placement lifecycle.

• Efficient Quoting & Binding
  Streamlined underwriting process aligned with transportation workflows
• Strong Market Access
  Backed by experienced insurers with deep expertise in cargo and logistics
• Flexible Structuring
  Ability to tailor deductibles, endorsements, and coverage structures
• Claims Advocacy
  Responsive support to help protect client relationships when losses occur