Commercial auto
insurance
Get a quote on commercial auto insurance that protects your Ontario business and your employees on the road. We have affordable insurance plans for experienced truckers, transportation companies, and carriers in Ontario.
Coverage That Goes
the Distance
When your vehicle is part of your business, it’s more than just a way to get from A to B—it’s part of how you make a living. Commercial vehicle and trucking insurance is designed to protect the vehicles, drivers, equipment, and liability exposures that come with keeping your business moving.
Whether you operate a single work truck, a delivery van, a fleet of vehicles, or a full-scale trucking operation, coverage can be tailored to how you use your vehicles and what you haul. Options can include liability, collision, comprehensive coverage, cargo, and other protections depending on your operation.
The right insurance helps keep an accident from becoming a business-stopping event. You keep the wheels turning, the deliveries moving, and the customers happy—we’ll help make sure your insurance can keep up.
What does commercial auto insurance cover?
Whether you drive a tow-truck, cement-mixer, flatbed, garbage truck, delivery vehicle of for Uber, basic coverage will include:
Vehicle insurance
Covers cars, vans and trucks that are essential to your business whether your business transports people, equipment or products. We can also cover personal vehicles used for business purposes.
General liability
Coverage if your business is sued for causing an injury or property damage. It can cover legal fees and any court awarded costs. If the unimaginable happens, we’ll be there to help you sort out the details.
Cargo insurance
Covers cargo that is stolen, lost or damaged while its in transit and on the road. It can also cover any losses sustained by your customer. You don’t have to sweat all these details and coverages, we’ll take care of it.
Commercial property
If you have a claim where your vehicle needs to be in the shop for repairs, this coverage pays for a replacement vehicle to keep your business running. Whatever happens, we’ll be there to help you out.
Insurance for Ontario businesses
If you transport any kind of goods or paying passengers in Ontario, we have really competitive commercial auto insurance rates for:
Company vehicles
Food trucks
Buses and cargo vans
Coaches
Flatbed trucks
Dump trucks
Contractor light vehicles
Tractor trailers
Couriers
Taxis
Personal car insurance doesn’t cover business liability, property damage or loss if you use your vehicle for commercial reasons. We specialize in solutions for heavy vehicles with a minimum of 3 years experience and an active Commercial Vehicle Owner’s Registration (CVOR). Talk to one of our brokers today.
Frequently asked questions about commercial auto insurance
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You can have multiple employees or drivers operating your commercial vehicles, they need to be properly licensed and meet your insurer's requirements. It's important to let your broker know who regularly drives your vehicles, especially if you have younger or inexperienced drivers. Unlisted drivers that result in claims would result in a claim denial and/or policy cancellation.
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They can in many situations, but personal use should be disclosed to your broker. How and when the vehicle is being used can affect the policy and premium.
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Sometimes, but a personal auto policy isn't designed for every type of business use. If you're regularly visiting clients, transporting equipment, making deliveries or using your vehicle as part of your business, talk to your broker about whether commercial coverage is appropriate.
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No. Your commercial auto policy is primarily designed to insure the vehicle and its use on the road. Tools, equipment, inventory and other business property will require coverage under your commercial property or business policy.
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Commercial vehicles can often travel throughout Canada and into the United States, but the rules and coverage requirements can vary depending on where and how you're operating. If your business involves cross-border travel, let your broker know so your policy can be properly arranged.
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Definitely. A contractor carrying tools has different exposures than a courier making deliveries or a trucking company hauling freight. How the vehicle is used, what it carries and where it travels can all affect the insurance requirements and premium.
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A good driving record and strong fleet safety practices can go a long way. Regular driver reviews, vehicle maintenance, driver training and managing claims effectively can all help. Your broker can also review your policy to make sure you're not paying for coverage you don't need.
Save on property insurance with bundle discounts
Combine your home and auto coverage to save 10-20% on your premium.