Carrier Insurance verification

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mytruck25

Member
Sep 29, 2025
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Mississauga
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Be very careful with carriers sending COI's there are a lot of scammers out there, and make sure you verbally verify insurance confirmation and COI's. We have seen multiple companies with same policy coverage and policy # sent over, to find out they never has coverage to begin with or cancelled policy.
 
mytruck25 said:
Be very careful with carriers sending COI's there are a lot of scammers out there, and make sure you verbally verify insurance confirmation and COI's. We have seen multiple companies with same policy coverage and policy # sent over, to find out they never has coverage to begin with or cancelled policy.
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Whenever we onboard a new carrier... part of our process is to call the broker listed on the certificate to verify that the carrier is actually insured by them, number of trucks and what jurisdictions the carrier is insured in.

We stopped a potential double broker situation last year with a new carrier that we were onboarding to move a load to Alberta for us.

When we called the broker we discovered that they had coverage for Ontario only.
 
Furthermore, a carrier might have a COI come directly from the broker, but the truck being used might not be under the policy. A better approach is to ask for a schedule of VIN's on the policy.
A lot of E/W players in Canada run 30 + trucks > but when you call up their policy and request a list of assets under coverage, you get a list of 5 trucks.
 
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artmax said:
PDFs & TIFF's can be edited @ the base layer! as if they are being made fresh!
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That is why you only accept COI's that come directly from the insurance broker to you.
As soon as you ask this from a fraudster, 99% of them just stop responding.

If you get the email and its comes from a broker you are not familiar with or the email seems off, call to verify.

No solution is perfect but this has been working for me, no DB's in the last 5 years.
 
Global416 said:
That is why you only accept COI's that come directly from the insurance broker to you.
As soon as you ask this from a fraudster, 99% of them just stop responding.

If you get the email and its comes from a broker you are not familiar with or the email seems off, call to verify.

No solution is perfect but this has been working for me, no DB's in the last 5 years.
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Yep

Direct from insurance unless you know the carrier. No exceptions.

Anything "suspect" you go direct to the company
 
There are more and more insurance brokers who are walking in step with the carriers and providing fraudulent insurance certs. I don't really know if getting it direct from the broker is safe any more.
 
Jim L said:
There are more and more insurance brokers who are walking in step with the carriers and providing fraudulent insurance certs. I don't really know if getting it direct from the broker is safe any more.
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If I see the insurance comes from Armour or Mango I need to dig in a bit deeper before I approve.
 
artmax said:
further more - a carrier might have a COI come directly from the broker but the truck being used might not be under the policy - a better approach is to ask for a scheduel of VIN's on the policy.
A lot of E/W players in Canada run 30 + trucks > but when you call up their policy and requests a list of assets under coverage you get a list of 5 trucks.
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100%!
I also get requests for cargo exclusion wordings.
 
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