Auto Physical Damage Insurance
All‑risk physical damage coverage for trucks and trailers, with practical extensions that keep operations moving.
Overview
CHES Special Risks Inc. provides Commercial Auto Physical Damage Insurance Canada solutions designed for fleets, owner‑operators, long‑haul trucking and local delivery. Our physical damage coverage protects trucks, tractors and trailers against collision, upset, fire, theft, vandalism, and other insured physical damage events.
Backed by underwriters who understand transportation and heavy industry, we help brokers place commercial vehicle physical damage insurance efficiently—across all provinces, including strong support for commercial vehicle insurance Alberta markets.
Where applicable, we can also address provincial DCPD considerations alongside core physical damage terms.
Coverage Highlights
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All-risk physical damage for scheduled units (trucks, tractors and trailers).
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Practical extensions, including loss of use, towing, debris removal and other operational necessities.
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Supporting single unit and fleet owners needing commercial vehicle damage insurance
Why CHES Special Risks Inc.
Active binding authority programs with clear driver/abstract requirements that streamline placement for brokers.
National underwriting network with deep expertise in transportation risks.
Fast quote turnaround and strong market access for APD business across Canada.
FAQs
Auto physical damage insurance in Canada covers repair or replacement costs for commercial vehicles damaged by collision, theft, fire, vandalism, and other insured risks.
Coverage applies to trucks, vans, service vehicles, specialty vehicles, and fleets, depending on usage, value, and underwriting criteria.
Physical damage insurance covers your own vehicle, while liability insurance covers damage or injury caused to others in an accident.
Costs vary based on vehicle type, usage, driver history, location, and claims history. High-value or high-risk operations typically result in higher premiums.
Yes, fleet insurance policies can cover multiple commercial vehicles under one plan, simplifying management and potentially reducing overall costs.
Premiums are influenced by driver records, vehicle type, usage, operating radius, cargo, and claims history. Accurate details help insurers price risk correctly.
Hard-to-place auto risks include non-standard vehicles, high-risk operations, poor claims history, or specialized usage requiring non-standard insurance solutions.
Brokers can submit vehicle schedules, driver information, usage details, operating territory, and claims history to help insurers evaluate and quote efficiently.
Bring us your next auto physical damage insurance Canada, commercial vehicle, or truck and trailer physical damage insurance submission—we’ll help you place it with confidence.
We are dedicated to supporting you in meeting your clients' insurance needs.
Toronto
130 King Street West, 19th Floor, Toronto, Ontario, M5X 1E3
Ottawa
Vancouver
Montreal
3135 Boulevard Möise-Vincent, Suite 207 Saint-Hubert, Quebec, J3Z 0G7
Quebec City
Edmonton
*For informational purposes only. This document does not modify, extend, or alter the scope of insurance coverage. Please refer to any applicable insurance policy for the relevant terms, conditions, limitations, and exclusions. Insurance services are provided by CHES Special Risks Inc., operating as CHES Special Risk and/or CHES Solutions Spécialisées, an affiliate of Totalis Programs Underwriters. CHES Special Risk and CHES Solutions Spécialisées are registered trade names used by CHES Special Risks Inc. in the Canadian provinces and territories where their use is authorized and registered. CHES Special Risks Inc. does not provide legal or tax advice.