Coverage that keeps you moving.

SRE is MPI's commercial Autopac product for vehicles operated outside Manitoba, used for commercial purposes that fall outside basic Autopac, or insured for higher-value cargo and equipment exposures. Almost any Manitoba-plated truck doing inter-provincial or US trucking needs SRE — basic Autopac stops at the provincial border for most commercial use. We file SRE applications directly with MPI Special Risk and pair them with private trucking coverage where the gaps are.

Motor Truck Cargo (MTC) covers the freight you are hauling — for damage, theft, fire, collision and other named perils while the cargo is in your care, custody and control. Limits, deductibles and commodity exclusions vary widely. A policy that excludes electronics, refrigerated loads or specific high-theft commodities can leave a $200,000 load uninsured. We read the policy wording before binding, not after a claim.

Yes. An owner-operator running under a carrier's authority is often covered for primary liability under the carrier's policy but still needs their own physical damage on the tractor, occupational accident or workers compensation, bobtail/non-trucking liability, and sometimes cargo. A standalone fleet operating under its own authority needs the full stack — primary liability, cargo, physical damage, GL, employee benefits. We package both, but they are different conversations.

US runs require carriers that have a US filing capability — typically MCS-90 endorsements and the right state filings (PUC/DOT), along with primary liability limits that meet FMCSA minimums ($750,000 for general freight, $1 million for hazmat, often higher in practice). MPI SRE handles the Manitoba side; we layer private trucking coverage to satisfy the US federal and state requirements. We confirm the filing chain before the first load crosses the border.

The radius is the operating territory you declare to the carrier — local (within 50 miles), short-haul (250 miles), long-haul (over 250 miles), or trans-border. Premium is rated to that radius. If you declare local but a driver runs to Calgary and crashes, the carrier can deny or reduce the claim for misrepresented exposure. We re-confirm the radius at every renewal because dispatch patterns drift.

Yes. Galaxy is appointed with the major Canadian commercial and trucking carriers, so we can package the trucking program with property on the yard, CGL for the office side, business auto for the service vehicles, cyber, and group benefits — under one brokerage relationship. One renewal date, one broker who knows your dispatch profile, and a single point of contact when a claim comes in.

Same business day, usually within the hour, from our BrookPort office in Centreport. Dispatchers asking for proof of insurance before a load releases is the most common time-sensitive request in trucking, and our commercial team is set up for it. Send the certificate request to the office handling your file and we turn it around.