Can I shop my trucking insurance in Manitoba?

Partly. Basic Autopac comes only from MPI. Extension coverage, such as higher liability limits, and cargo insurance can come from private insurers through a licensed broker.

Is cargo covered by Autopac?

No. Cargo insurance is a separate policy covering the goods you haul, and most shippers require it.

Do I need extra coverage to run into the US?

Yes. US operations come with their own liability filings and requirements. Tell your broker your routes and the share of your miles in the US.

Manitoba trade insurance

Insurance for Commercial Trucking & Fleets in Manitoba

Extension liability, cargo, and physical damage coverage for Manitoba trucking companies. Licensed Manitoba brokers compete for your account.

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Commercial Trucking & Fleets in Manitoba illustration

Commercial Liability & Risk Guide for Commercial Trucking & Fleets in Manitoba

Winnipeg is one of Canada's major trucking hubs, sitting on the Trans-Canada and the main routes to the US border. Basic Autopac from Manitoba Public Insurance is compulsory, but extension coverage, including the higher liability limits shippers require, can come from MPI or private insurers. Cargo insurance is separate. QuoteMatch sends your application to licensed Manitoba brokers with trucking markets, so private insurers compete for your extension and cargo coverage.

Risks specific to Manitoba

Working in Manitoba brings its own climate, market, and regulatory risks:

Winter whiteouts and collisions on the Trans-Canada and Highway 75.
Shipper requirements for $2 million or more in liability.
Cargo spoilage and freezing in extreme cold.
Cross-border exposure on US runs.

Rules and requirements to know

Insurers and clients in Manitoba will expect you to meet these:

MPI Basic Autopac, with extension coverage from MPI or private insurers.
National Safety Code requirements for commercial carriers.
US liability filings for cross-border operations.

Example claim

How a claim could happen

“A Winnipeg carrier's truck slides off Highway 75 in a whiteout, damaging the trailer and ruining a load of refrigerated food.”

How coverage respondsAutopac and the carrier's extension coverage handle the vehicle damage. The cargo policy covers the spoiled load.

Official resources

Commercial Trucking & Fleets in other provinces

Common questions: Commercial Trucking & Fleets in Manitoba

Can I shop my trucking insurance in Manitoba?: Partly. Basic Autopac comes only from MPI. Extension coverage, such as higher liability limits, and cargo insurance can come from private insurers through a licensed broker.
Is cargo covered by Autopac?: No. Cargo insurance is a separate policy covering the goods you haul, and most shippers require it.
Do I need extra coverage to run into the US?: Yes. US operations come with their own liability filings and requirements. Tell your broker your routes and the share of your miles in the US.