Canal Insurance

Express and Fleet coverage

Canal Express serves operations with 1–10 power units.

Canal Fleet serves operations with 11 or more power units.

Express advertises auto liability up to $1 million, with pollution coverage where available.

Express lists trailer interchange, non-owned trailer physical damage and a UIIA additional-insured endorsement.

Quotes are arranged through agents. Canal does not publish a standard truck premium on its agent page.

Canal lists Canal Insurance Company and Canal Indemnity Company with different licensing territories. Confirm the insurer named on your quote.

Canal Fleet advertises same-day MCF and MCS-90 processing. Confirm receipt and the required effective date with your agent.

DRIVEN

The current DRIVEN page lists up to 30 units, model year 2000 or newer, Class A drivers with two years of OTR experience, and a DOT number or application.

DRIVEN combines fixed and mileage-based premiums. Eligible telematics must stay active, with Canal permitted to access the data throughout the policy.

State availability is expanding. Check your area and current eligibility before relying on a DRIVEN quote.

TestDrive

TestDrive starts with up to two trucks and less than two years in business. Drivers need two years of CDL experience and trucks must be 2000 or newer. The one-truck driver must be the owner; the second must be an employee.

Canal supplies a Samsara device at no charge while enrolled. It must transmit mileage; disconnected equipment can lead to billing on estimated miles.

Miles Per Canal

The eligibility checklist specifies three years in business, up to 15 company-owned units, experienced Class A drivers and the same approved telematics provider across the fleet.

For Miles Per Canal, only auto liability varies with mileage. Cargo, physical damage and general liability have fixed installments.

Miles Per Canal collateral is held separately from installments. The remaining balance is returned after expiry or cancellation once all premium is paid.

Miles Per Canal directs certificate requests and truck or driver changes to your retail agent.

Equipment, cargo and policy services

Optional cargo enhancements address refrigerated freight temperature changes, including driver error, and broader auto-hauler protection.

A combined deductible option can apply to cargo and physical damage. Confirm the selected amount and applicable losses.

Physical damage is offered as a package or standalone policy, with towing to a suitable nearby repair facility and mechanical-breakdown options.

Loan/lease gap coverage is included when the stated amount includes the outstanding finance obligation. Check the policy wording and equipment values.

The posted schedule lists $2.50 monthly installments, $25 returned-payment fees and a conditional $20 reactivation fee. It applies to Direct Bill; state exceptions apply.

CanalPay offers online billing and optional AutoPay for selected Canal products.

Express does not publish a universal cancellation notice period or refund formula. Obtain these terms with the quote.

The claims hotline offers a live representative 24/7. Reporting access is not a settlement-time guarantee.

The physical-damage and cargo claims unit provides access to a managed repair program for heavy trucks and trailers.

CanalConnect offers risk-management tools, sample safety policies and driver training resources.

AM Best affirmed A− (Excellent) with a stable outlook on September 30, 2025. This financial rating is separate from customer-review stars.