Canadians Getting US Insurance

I’m in quite a tight spot right now and I can’t be the only one who’s ever went through this.

I currently have an Alberta ( Canada ) drivers license and will not be getting a US one. I will be operating a tank truck company with Hazmat in North Dakota.

I have a few feelers for insurance out right now and currently I’ve only received one back, they could only quote me non-hazmat insurance which came back at $42,000 for 1 truck and trailer. ( Progressive in USA )

Note I have a perfect MVR with 14 years of having a CDL.

Tomorrow I will be looking into Canadian companies who give insurance to operate down in the states but I thought I would ask here to see if someone has been through this already!

 

Truck will be registered in North Dakota.

Business is already setup in ND, DOT and MC numbers are in place, IFTA and 2290 will be set up here this week / next week.

 

I currently have a 5 year E2 Visa. ( non-immigrant )

 

I figure I would update you guys seeing as I think I have figured this out.

After going back and forth with multiple brokers dealing with multiple insurance companies I got approved for 2 quotes...more on that.

The first one ( which I wanted ) was through Mid-Continent. The policy was as follows.
Auto - $8958 / year - 1 million, 135k collision for truck, 60k for trailer
General Liability + Pollution - $2114 / year - 1 million GL + 1 million Pollution
Umbrella / Excess - $2800 / year - 2 million

Total - $13,872

Now when I seen this I had tears of joy, I instantly went to bind the policy only to be let down in 2 weeks. Under writing came back and said seeing as they can't verify my driving history they put a cancel on the Auto policy but left the other 2 for me. ( little do I know, their Umbrella won't cover any other auto I could have gotten )

After finding that out I went back to the drawing board. I went back to a broker who worked his ### off for me and took that $42,000 / year for auto down to $16,000 / year. I figure I would have to bite the bullet and sign that just so I'm covered! After calling progressive to bind the policy they said if I provide them with a MVR, passed insurance quote and a General liability policy they would bring the policy down to $10,600! Hot dang I was pretty excited to hear that.

No I sit here after submitting all that information to them and they tell me it will take up to 10 working business days to see the decrease on my policy.

I also had to get a different Umbrella policy, which came to $6300.

All in all my $42k ++++ went to:
$10,600 Auto
$2114 GL + Pollution
$6300 Umbrella

$19,014 Total to work here in the ND oilfield.