We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable courier insurance coverage tailored for you by BrokerLink.
According to Trucking HR Canada’s Q2 2024 report, employment for delivery and courier service drivers grew by 11% year‑over‑year. And with Canada’s courier, express, and parcel (CEP) market hitting US$16.74 billion in 2025 and forecast to reach $21.55 billion by 2030, it's clear delivery services are booming.
Whether you’re an independent courier or manage a fleet of delivery drivers, BrokerLink makes it easy to protect your business with the right coverage. Whether you transport parcels, documents, or specialty goods, our courier insurance solutions are tailored to meet the needs of delivery professionals across Canada.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Courier insurance protects you from the everyday risks that come with the job. Also known as delivery insurance, it is a type of commercial coverage designed specifically for delivery professionals. It typically includes protection for your vehicle, cargo, and personal liability.
It helps cover losses like stolen packages, damaged goods, or costly legal claims following an accident. Optional coverages, such as equipment protection or non-owned vehicle use, can be added to suit your business.
Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.
Courier insurance is essential for a wide range of professionals and businesses involved in transporting goods, including:
Independent delivery drivers (van, car, motorcycle, scooter, e-bike)
Courier businesses
E-commerce delivery providers
Last-mile logistics companies
Third-party logistics providers (3PLs)
Grocery delivery services
Food delivery services
Same-day or express delivery companies
Medical and pharmaceutical couriers
Mobile notaries and document couriers
Parcel and package couriers
Furniture and appliance delivery companies
Auto parts and industrial supply couriers
Freight and small-load transporters
The Insurance Bureau of Canada (IBC) states that commercial auto insurance is mandatory in Canada if you use your vehicle for business purposes, such as courier work. This coverage is legally required to operate and helps protect against damages or liability arising from an accident while on the job. Without it, even a minor fender bender could lead to legal and financial trouble.
On top of that, courier work comes with real-world risks that can quickly lead to costly consequences if you're not properly insured. Whether you're making deliveries in downtown Vancouver, navigating stop-and-go traffic in Toronto, handling icy roads in Calgary, or covering long suburban routes in Mississauga or Laval, the potential for accidents and cargo loss is part of daily operations.
If you work for a courier company, chances are good that they provide a commercial auto insurance policy for their employees. However, if you are an independent delivery driver or the business you work for does not have its own car insurance policy for employees, it's essential for you to get one for yourself.
Commercial auto insurance
Cargo insurance
Commercial general liability coverage
Loss of use coverage
Trailer coverage
Umbrella liability insurance
Contingent liability coverage
Commercial auto insurance is essential for couriers who use their vehicles for deliveries. It provides protection not just for the vehicle itself, but also for liability, medical costs, and property damage resulting from business-related accidents. Depending on your province or territory, policies typically include third-party liability, accident benefits, uninsured automobile coverage, and direct compensation–property damage (DCPD). Optional coverages like collision, comprehensive, and loss-of-use are often added for greater peace of mind.
Cargo insurance protects the goods you're transporting in case they’re lost, stolen, damaged, or spoiled while in transit. This coverage is crucial for couriers handling valuable or time-sensitive packages, such as electronics, documents, frozen foods, or medical supplies. It helps cover the cost of replacing or reimbursing lost items, providing peace of mind to both you and your customers. Coverage limits and exclusions may apply depending on the type of cargo.
Commercial general liability coverage protects against third-party claims of bodily injury or property damage that occur during business operations, outside of driving-related incidents. For couriers, this includes situations like a customer tripping over a package during drop-off or damage to property caused while entering a delivery site. Legal fees, medical costs, and settlement amounts may be covered under this policy.
Loss of use coverage provides reimbursement for rental or replacement vehicle costs if your insured delivery vehicle is out of commission due to a covered claim. This helps couriers stay on the road and maintain business continuity while their vehicle is being repaired or replaced after an accident.
Trailer coverage protects trailers used in courier operations against physical damage, theft, or liability while in use or in storage. While many couriers use vans or cars, some rely on trailers for larger or specialized deliveries. This coverage is essential for businesses that transport freight, bulky items, or use straight trucks or tractor-trailers as part of their delivery fleet. It ensures the trailer itself, and potentially its attached cargo, is protected.
Umbrella liability insurance provides an extra layer of liability protection beyond the limits of your primary policies, such as commercial auto or general liability. It’s designed to kick in when a claim exceeds your existing coverage limits, helping cover legal fees, settlements, or damage awards. For courier businesses facing high-value lawsuits or serious accidents, an umbrella policy acts as an additional financial safety net.
Contingent liability coverage offers protection for a courier business when they use rented or personal vehicles for deliveries. It acts as a backup when the primary insurance that's held by the vehicle owner fails to respond or lacks adequate coverage. This is especially important for courier companies that rely on subcontractors, gig drivers, or short-term rentals to meet demand. It helps protect your business from liability claims, even if you don’t own the vehicle involved.
While courier insurance offers broad protection for drivers and delivery businesses, there are some situations it typically doesn’t cover, such as:
Intentional damage or illegal activity while operating the vehicle
Deliveries made without the appropriate commercial licence or vehicle registration
Use of your commercial vehicle for non-business purposes not declared in your policy
Mechanical breakdowns or wear and tear on your vehicle
Cargo types that are excluded from your policy (e.g., hazardous materials or high-value items not declared)
Damage to your own vehicle or property, unless specifically included in your commercial auto coverage
Always review your policy to understand what is and isn’t covered, and speak to a BrokerLink advisor for clarification.
Let us be your resource for all things courier insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
22971+ Reviews
Average rating of 4.6
Excellent service, rates and customer service. Highly recommended.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
I have been with BrokerLink for over 5 years and have never been disappointed; my issues have been always solved promptly and efficiently, they even found me a cheaper motor insurance with same qualit...
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
I had a great experience, staff was friendly and informative. Which made it easy to understand. Thank you for all you help!
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
Fast, efficient, knowledgeable service. Helpful staff.
Always very pleased with call-back time, details of the service and follow-up if required. Friendly, well-trained staff that make us feel that our needs are being met perfectly!
Great people! Always friendly and knowledgeable and ready to help!
The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Fast and professional responses, what more Can you ask for. 5🪄
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Lovely service, great communication and very helpful!!
Friendly, hassle free service. I'm impressed. Would highly recommend.
The staff were to a person courteous, professional, and helpful. They answered every question quickly. I came from out of province and my needs were more than usual, yet I had insurance in 3 days. Ver...
100 percent recommend, good quotes, good coverage and amazing brokers and customer care.
Everything went perfectly including prompt follow up.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
If you need a broker, this is the best place to deal with! Amazing staff!!
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Insurance companies will consider many different factors when determining your courier insurance premiums. Some of these may include:
Insurers examine the driving history of all drivers, including tickets, driving history, length of time driving, collisions, or at-fault accidents. A clean record typically leads to lower premiums. Records showing frequent violations or accidents increase risk and raise rates.
In Canada, driver conduct is a risk concern. Transport Canada reports that speeding, impairment, and distractions contribute to roughly 64% of injuries or fatalities.
The make, model, year, trim, and value of your courier vehicle directly affect insurance costs. In general, newer vehicles with modern safety features tend to cost less to insure because they’re less likely to be involved in serious accidents. If you're using a light commercial van, you'll probably pay less than someone driving a heavy-duty truck or pulling a trailer, simply because there's less risk involved.
Urban and high-traffic zones generally carry higher premiums due to greater collision risks. Areas with elevated crime rates, like auto theft or vandalism, also increase insurance costs. For example, densely populated metro corridors, like Vancouver, Toronto, Montreal, or Calgary, tend to have noticeably higher insurance costs than rural routes.
In fact, according to the Financial Services Regulatory Authority of Ontario (FSRA), as of October 2024, the average annual auto insurance premium in the Greater Toronto Area (GTA) was $2,638, compared to $1,592 in rural Ontario.
Hauling specialized or high-value items, like electronics, pharmaceuticals, or expensive equipment, comes with added risk. Because these goods are more likely to be stolen or cost more to replace, you’ll usually need higher cargo insurance limits, which can mean higher premiums to match that additional level of protection.
Your claims history can say a lot about your business. If you’ve had few or no claims in the past, insurance companies will see you as a lower risk, and that usually means better rates. But if you’ve had multiple or major claims, expect your premiums to go up. Insurers don’t just look at how often you’ve made a claim. They also look at how serious the damage or payout was.
Basic protection, like liability, accident benefits, and uninsured motorist coverage, is required in most provinces. But many couriers add optional extras like cargo coverage, collision, or comprehensive insurance to protect against theft, damage, and unexpected events. The more coverage you add, the more you’ll pay, but the better protected you’ll be.
Choosing higher liability limits gives you more protection, especially if you’re ever involved in a serious accident, but it also comes with a higher premium. You can help counter this by picking a higher deductible to help lower your monthly cost, but you’ll have to pay more out of pocket if you file a claim.
If you run a solo delivery operation, your insurance needs are pretty straightforward. But if you have a team of drivers or operate a small fleet, things get more complex and often more expensive. That said, larger courier businesses may qualify for fleet insurance discounts, so it’s worth asking your broker about cost-saving options.
Are you looking for courier insurance in Canada? Contact BrokerLink. Our brokers can find the best discounts and insurance plans for you. Whether you're an independent food delivery driver or managing a fleet of couriers, we'll gather personalized quotes and explore the best options to find you an affordable courier insurance policy that fits your business needs.
You can call, email, or visit us in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive quote online in minutes.
Find a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
Visit a branch
About us
Yes. Personal auto insurance typically doesn’t cover business use. If you're using your van for deliveries, you’ll need a commercial auto or courier insurance policy to stay protected.
Yes, but it depends on your cargo coverage. Make sure your policy includes temperature-sensitive goods and covers spoilage due to equipment failure or delays.
No, drivers are not automatically included. Each driver must be listed and approved by your insurance provider, especially if they will be using company or insured vehicles.
You’ll need to ensure your policy includes coverage for rented or non-owned vehicles. Some insurance companies offer endorsements or separate coverage for short-term rental use.
In most cases, you can receive proof of insurance the same day your policy is issued; sometimes it's even within minutes after purchase.
Generally, yes. Many courier insurance policies allow you to add vehicles temporarily. Just notify your insurance provider or broker to ensure they’re properly insured before use.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business Insurance
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
