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Coverage designed for the industries we know inside out.
Specialized insurance programs for trucking operators, cargo movers, and fleet businesses across Canada — engineered by underwriters who understand your risks.
OUR SERVICES
Driven to Protect
O2 Insurance Services offers Canada’s 1st real-time insurance platform — designed by transportation professionals, for transportation professionals. We take a modern approach to insuring your transportation business, moving away from spreadsheets and using telematics to rate your fleet based on its actual use.
Transportation Insurance
Transportation Insurance
O2 Insurance Services is proud to offer Canada's 1st online, telematics rated transportation insurance platform. Get coverage in a click, whether your fleet is local delivery all the way to long haul with U.S. exposure — O2 Insurance Services has got you covered!
Explore Transportation →
Fleet Operate
Fleet Operate
An all-in-one, end-to-end risk management platform designed for the transportation industry that digitizes driver management, vehicle maintenance and insurance in one place.
Explore Fleet Operate →
Deductible Buydown
Deductible Buydown
Unexpected claims can have a significant financial impact. Discover how a flexible deductible solution can reduce out-of-pocket costs, minimize operational disruptions, and provide greater confidence when the unexpected happens.
Explore Deductible Buydown →Why choose O2
Specialists, not generalists.
Traditional brokers push standardized policies. We build coverage from the ground up for the industries we serve.
Bespoke Program Design
We design coverage structures around your operation — not slot you into off-the-shelf policies that half-fit.
Deep Industry Expertise
Every specialist on our team knows transportation and fleet space firsthand — from underwriting to claims.
Competitive Structures
Focused specialization means better carrier relationships, sharper pricing, and program economics that work for you.
Optiom Group Backing
As part of the Optiom family, we bring the resources of a national insurance group to every client relationship.
Responsive Service
Every client gets a dedicated specialist. Real people, real expertise, response times measured in hours not weeks.
Claims Advocacy
When it matters most, we advocate for you — with fast, transparent, and fair claims handling.
Common questions
Straight answers.
Do you only work with large fleet operators?+
Not at all. We work with single-truck owner-operators, mid-size regional fleets, and large national carriers. Our program approach scales to your operation.
Do you serve all Canadian provinces?+
Yes — we’re licensed nationwide and have carrier relationships that let us place coverage across Canada, including specialty transport classes.
How is O2 different from a traditional broker?+
Traditional brokers offer a wide range of standardized products across every insurance line. We specialize deeply in transportation, cargo, and fleet — which lets us design bespoke programs and get better outcomes from carriers.
What is O2’s relationship with Optiom?+
O2 Insurance Services is a member of the Optiom Company group. We share experience, carrier relationships, and operational support while operating as a specialized program insurance provider.
How long does it take to get a quote?+
For most standard requests we respond within one business day. Complex programs may take slightly longer as we design the right structure for your operation.
Ready to find the right coverage?
Talk to a specialist who understands your industry — not just insurance.
