Transport and Logistics Services

Comprehensive insurance for your business

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Rated AA- by Standard and Poor’s and A by A.M. Best

Aviva provides customized coverage for a wide range of businesses within the transportation and logistics sector, including third party logistics, inventory management, transloading, packaging or other similar services. Available exclusively through insurance brokers. 

Choose the right coverage

Enjoy standard features and customize your policy to your specific needs 

Transportation

We cover any distance (short, medium or long), including trips to the U.S. and provide up to $5 million in coverage.

Cargo limits that can satisfy most contractual obligations.

Property

Coverage* for your buildings (including upgrades), exterior glass and signs, towers, renewable energy equipment, sewers and utilities above and below ground on your premises** and more

  • your business contents (including while away from your premises) such as stock, equipment, electronic equipment (including laptops) on and off premises
  • accounts receivable
  • warehouseman’s legal liability to cover the property of others held by you
  • privacy breach expenses
  • contractor’s equipment including portable equipment and hand and power tools and loss of earnings from an equipment breakdown
  • transportation, including reefer breakdown and loss of income if your cargo-carrying vehicles break down  

Business income

Protection for your business income after a loss until your business returns to normal, including:

  • no dollar limit on loss of business income, extra expenses, or additional time due to bylaw compliance
  • payroll expense coverage
  • utilities service interruption
  • restricted access 
  • negative publicity
  • and more

Equipment breakdown

Protection for accidents to compressors, heating systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.

Coverage includes*:

  • ammonia contamination
  • brands and labels
  • errors and omissions
  • fluid escape
  • hazardous substances 
  • computer equipment, data and media on and off premises
  • loss of income including fines and penalties, internet service, utility service interruptions and restricted access
  • and more

Liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments.

Other features*:

  • coverage territory is worldwide, provided actions are brought in Canada or the U.S.
  • employers’ liability for Canadian resident employees 
  • employee benefits errors and omissions (E&O) liability
  • and more

Crime

A broad range of coverages, including:

  • employee dishonesty
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery 
  • client or customer property 

Add even more protection

  • commercial auto coverage***
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss

*availability limited to certain operations

**within your property lines, areas under adjoining sidewalks and driveways, and in or on vehicles within 100 m

***commercial auto is offered on a separate policy

Logistics

Property

Coverage* for your buildings (including upgrades), exterior glass and signs, towers, renewable energy equipment, sewers and utilities above and below ground on your premises** and more

  • your business contents (including while away from your premises) such as stock, equipment, electronic equipment including laptops on and off premises
  • warehouseman’s legal liability to cover the property of others held by you
  • privacy breach expenses
  • transportation coverage, including reefer breakdown and loss of income if your cargo-carrying vehicles break down
  • and more 

Liability

Coverage to protect you in case of lawsuits for bodily or mental injury and property damage, personal and advertising injury liability, tenant’s property damage liability and voluntary medical payments.

Other features*:

  • coverage territory is worldwide, provided actions are brought in Canada or the U.S.
  • employers’ liability for Canadian resident employees
  • fungi and spores
  • pollution caused by products
  • product recall expenses
  • non-owned automobile third party liability 
  • employee benefits errors and omissions (E&O) liability
  • logistical services E&O
  • and more

Business income

Protection for your business income after a loss until your business returns to normal, including:

  • no dollar limit on loss of business income, extra expenses, or additional time due to bylaw compliance
  • payroll expense coverage
  • contingent business interruption if your supplier cannot provide your services
  • utilities service interruption
  • restricted access
  • negative publicity
  • and more

Equipment breakdown

Protection for accidents to compressors, heating systems, electrical panels, mechanical or electrical machines or apparatus including production machinery.

Coverage includes*:

  • ammonia contamination
  • brands and labels
  • fluid escape
  • hazardous substances
  • computer equipment, data and media on and off premises
  • stock spoilage 
  • loss of income including fines and penalties, internet service, utility service interruptions and restricted access
  • and more

Crime

A broad range of coverages, including:

  • employee dishonesty
  • money, securities and other property
  • counterfeit currency and money orders
  • forgery, alteration, credit card and automated teller card
  • electronic fraud and funds-transfer fraud
  • incoming cheque forgery 
  • client or customer property

Add even more protection

  • contractors' equipment including portable equipment and hand and power tools and loss of earnings from an equipment breakdown
  • commercial auto***
  • umbrella coverage provides an extra layer of liability coverage in the event of a catastrophic loss

*availability limited to certain operations

**within your property lines, areas under adjoiningbsidewalks and driveways, and in or on vehicles within 100 m

***commercial auto is offered on a separate policy

Insurance solutions you need

With Aviva Enterprise™ policy for Transportation and Logistics, you'll get 

Transportation and logistics insurance experts

Experts who understand the unique needs and risks of a wide range of businesses within the transportation and logistics sectors.

One comprehensive policy

In addition to our broad base coverage, your policy can be customized with coverages and higher limits recommended for the transportation and logistics industries.

Access to our wide network of claims professionals

In the event of a claim, we’ll help you get back on track by resolving it efficiently and hassle-free.

Frequently asked questions

We answer your questions on automotive sales and services

Why do I need commercial property insurance for my business?

To keep your business operating you rely on having its physical assets protected, such as the building, equipment, inventory and stock, tools, contractor’s equipment, business income and rental income.  A commercial property insurance policy protects your assets from damage or destruction.

What is Commercial General Liability (CGL) insurance? Why do I need it for my business?

CGL insurance is designed to protect your business from being found legally liable for injuries or property damage caused by your product, completed work or accidents on your premises involving visitors or customers, or at your customer’s location.  Standard coverage includes - Bodily injury and property damage liability, Personal injury liability, Medical payments and Tenant’s legal liability.  Every day your business is exposed to different liability hazards associated with the work you do.  No one thinks a claim or a lawsuit will be filed on their business until it happens. Having the right CGL policy for your business is one of the smartest decisions you can make to protect it.


What could happen if I don’t have the right coverage in place for my business?

Your business could be responsible for paying for claims or lawsuits on your own. These expenses could be in the form of damages to third parties, legal defense costs, replacement of uninsured property, among many others.  Depending on the nature of the loss, this could result in an unexpected expense for the business. Or, in more severe cases, it could have a significant impact on the ability for your business to remain open.

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