Insurance & Compliance
Comprehensive carrier vetting, defined insurance minimums, and ongoing performance monitoring — so your freight moves with carriers we've actually screened.
Every carrier dispatched by OTR Logistics Solutions has completed a structured onboarding review. Insurance is verified before any load is assigned. Safety records are checked. Identity is confirmed. For cannabis and reefer freight, additional requirements apply. This is our standard — not an exception.
Five-Step Vetting Process
Company Verification
- Legal company name
- Operating authority
- Years in business
- Principal owners
- Physical business address
- Dispatch contact information
Insurance Verification
Certificates are verified on every carrier before any load is assigned.
Minimum Requirements
- Auto Liability: $2,000,000 CAD
- Cargo: $100,000+ CAD (higher per commodity)
- Reefer Breakdown coverage (temperature-controlled carriers)
- Commercial General Liability (CGL)
Policy numbers, effective dates, expiry dates, and named insured are verified on every certificate.
Safety & Compliance
Canada
- NSC/CVOR profile review
- Provincial safety rating
- Carrier profile abstract
United States
- USDOT Number
- MC Number
- FMCSA Safety Rating
- Inspection history
- Out-of-service percentage
Identity Verification
- Business registration documents
- GST/HST number
- Void cheque or banking letter
- W9 (US carriers)
- W8-BEN (if applicable)
Fraud Prevention
What We Verify
- Domain email matches company name
- Phone number matches website
- Google Maps street view of physical address
- Website exists and appears legitimate
Red Flags — Carrier Not Approved
- Gmail or free email accounts
- Recently created domains
- Requests to change banking information
- No verifiable physical address
Cannabis Shipment Carrier Selection
When coordinating cannabis shipments, OTR Logistics Solutions applies additional carrier selection criteria covering security protocols, insurance coverage, and cannabis freight experience. Shippers confirm documentation, security and handling requirements with their own compliance team before dispatch.
Security Protocols We Require
- Locking trailer
- GPS tracking on all FTL cannabis loads
- Team drivers for high-value shipments when required
- Driver experienced with regulated cargo protocols
Cargo Insurance Limits
Minimum
$250,000 CAD
Preferred
$500,000+ CAD
Optional full value cannabis cargo insurance coverage is available
Cannabis Freight Experience
Carriers are selected for demonstrated experience with:
- Licensed Producer facility requirements
- Provincial Distribution Centre deliveries
- High-value regulated commodities
Reefer Carrier Requirements
What We Verify
- Reefer maintenance records
- Temperature monitoring capability
- Reefer breakdown coverage
- Driver temperature recording procedures
Equipment Questions
- Trailer age and condition
- Reefer unit make and model
- Temperature monitoring system used
Three-Tier Carrier System
Not all approved carriers carry the same freight. Our tier system assigns load exposure based on verified experience, safety record, and performance history.
Trusted for regulated, high-value, and time-sensitive loads including cannabis and temperature-controlled freight.
- Asset-based carrier
- 3+ years operating
- Excellent safety record
- Cannabis and/or reefer experience
- $250,000–$500,000+ cargo coverage
Eligible for general freight. Load type and value matched to verified capabilities.
- Meets all minimum standards
- Verified insurance and authority
- Acceptable safety rating
- Monitored closely per quarter
Limited exposure until a performance track record is established. Not used for regulated or high-value freight.
- New carrier (under 1 year)
- Limited operating history
- Lower-risk freight only
- Performance established over time
Ongoing Monitoring
Onboarding is the start, not the finish. Every active carrier is reviewed quarterly and scored against internal performance benchmarks.
Quarterly Review
- Insurance renewals verified
- Safety scores reviewed
- Claims history checked
- Service performance assessed
Internal Performance Scorecard
- On-time pickup percentage
- On-time delivery percentage
- Communication quality
- Claims history
- Temperature compliance (reefer loads)
- Driver professionalism
Our Minimum Carrier Performance Targets
On-Time Pickup
98%+
On-Time Delivery
98%+
Preventable Claims
Zero
High-Risk Indicators
Any of the following triggers an immediate hold — the carrier is removed from active use until the issue is resolved or the relationship is terminated.
- Insurance expires or lapses
- Operating authority becomes inactive
- Multiple cargo claims on record
- Evidence of double-brokering
- Banking information change without verification
- Failed identity verification