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Best rates for commercial auto 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:

  • Food trucks
  • Company cars
  • Buses
  • Coaches
  • Flatbeds
  • Tow trucks
  • Tractor-trailers
  • Taxis
  • Couriers

Good to know: Personal car insurance doesn’t cover business liability, property damage or loss if you use your vehicle for commercial reasons. We can help. Call us. 1-800-731-2228

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Get a quote for commercial auto insurance in Ontario

The kind of commercial auto insurance you’ll need and the cost will depend on a number of things, like the car, truck or van you are using, whether you’re transporting goods or people, and more. As a trusted brokerage for over 70 of Canada’s top insurance companies, we have access to some of the best commercial trucking coverages and rates in Ontario. It means you’ll never have to shop and compare rates again. Call us for a quote. 1-800-731-2228

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:

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Commercial 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.

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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.

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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.

Frequently asked questions about commercial auto insurance

Yes, you would need commercial insurance if you did deliveries on behalf of a company like DoorDash or Uber. You may be able to acquire insurance through your employer (DoorDash offers an auto policy with up to $1,000,000 in bodily injury/property damage) although you would still need to carry personal insurance for your vehicle when you aren’t working.

No. If you or an employee uses a personal vehicle to do deliveries, transport passengers through a rideshare app, or haul materials, then you or that employee would still need to have a personal policy to cover you during times when you aren’t actively earning income.

Not usually. Commercial vehicles may be driven further and more frequently than personal vehicles, and they may face more exposures due to the nature of what they do. Statistically, the chances of a loss are far greater, so you won’t find many commercial auto policies that are cheaper than personal ones.

Your business is unique, so are your insurance options.

Being a brokerage for over 70 of Canada’s top insurance companies means our commercial brokers have access to a wide range of coverage options as unique as your business – at some of the best rates in Ontario. We sweat the details so you can focus on your business. Want to learn more about the coverage options available to you? Here’s a few of them: