Quotey has added PAL Insurance's Motor Truck Cargo (MTC) product to its digital commercial insurance marketplace, expanding broker access to transportation coverage.

The move allows brokers to obtain instant quotes for MTC policies through Quotey’s platform, providing a faster and more flexible way to secure protection for clients in the freight and logistics sectors.

PAL's product offers broad protection for loss or damage to goods in transit, with cargo limits of up to $250,000 per vehicle or per loss. It also includes options for a $5 million Commercial General Liability (CGL) limit and additional features such as reefer breakdown, debris removal, riggers endorsements, unattended truck coverage and trailer interchange protection. The product is available across all major provinces and covers a wide range of commodities, including food and beverages, electronics, building materials and machinery.

According to Quotey CEO and co-founder Nick Kidd, the integration significantly strengthens the platform’s transportation offering by enabling brokers to deliver comprehensive solutions more efficiently.

PAL’s vice-president of Commercial Insurance, Russel Morrison, said the partnership underscores a shared focus on accessibility and digital speed for brokers navigating a competitive marketplace.

The expansion comes at a time of growing demand for motor truck cargo insurance in Canada. The country’s road freight transport market is projected to grow at more than 4% annually through 2030, driven by rising trade volumes and increased e-commerce activity. As freight movement expands, insurers are seeing heightened exposure to cargo damage, theft and weather-related disruptions, all of which are contributing to higher claims costs and underwriting scrutiny.

Insurers have also been contending with inflationary pressures and capacity constraints in commercial motor lines, particularly those tied to cross-border operations. While pricing across Canada’s commercial insurance market is showing early signs of moderation, transportation remains a complex area where tailored coverage and efficient distribution are key.

By bringing PAL’s MTC coverage online, Quotey aims to streamline the process for brokers working with transportation clients who face tightening margins and escalating risk.