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We represent over 25 major insurance companies in Ontario. So let us do the rate shopping and coverage comparison for your commercial car, bus, van, truck, or other business vehicle you want to insure. Our professional team of licensed insurance experts will find you the best prices for your needs in minutes.

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Some quick answers:

Who needs commercial vehicle insurance?

If you transport goods, cargo, or paying passenger in Ontario, commercial vehicle insurance will protect you and your employees from property damage and liability claims on the job.

Whether you are the sole proprietor of your vehicle, manage an entire fleet, or are a long haul trucker driving a big rig, only commercial auto insurance will protect you from driving-related business losses. Commercial auto insurance coverage is necessary for:

  • Food trucks
  • Company cars
  • Buses, coaches
  • Box and flatbed trucks
  • Trailers used to transport cargo
  • Tow trucks
  • Tractor-Trailers
  • Dump trucks
  • Cement Mixers
  • Couriers
  • Garbage Trucks
  • Taxis, Uber, and limousines
  • Delivery vehicles
  • …And any other vehicle used for business
What's does business auto insurance cover?

As a business owner, you need to keep your vehicle on the road delivering products and visiting customers without delay or interruption. Similar to the policy for your own personal vehicle, a commercial auto insurance policy in Ontario offers coverage on the following:

  • Medical expenses and loss of income in the event of injury to you, your drivers, or passengers.
  • Loading and unloading liability to protect against losses or damage to cargo.
  • Replacement vehicle coverage to prevent loss of work hours when your commercial vehicle is being repaired.

However, personal car insurance does not cover liability or property losses when your vehicle is used for commercial purposes, so business car insurance is a necessary investment. Since traffic accidents occur every day, business auto insurance gives your company the financial protection it needs even if you are using your own personal vehicle.

What type of commercial auto coverage is best?

The type of commercial auto insurance policy best for you depends on the type and size of your business, and how many people will be driving your vehicles. The insurance requirements of a cab company, for example, will be quite different than the insurance needs of an HVAC company.

As your commercial broker, we’ll find you a commercial auto insurance policy that matches:

  • How you use the vehicles: If a salesperson, for example, is driving a car or SUV throughout the day on a daily basis then a business car insurance policy would be appropriate.
  • The types of vehicles being used: If a contractor or service person is driving a truck or van to job sites carrying tools and equipment with them, then you may be eligible for commercial rates.
  • How many vehicles are being used: If you have 5 or more vehicles all registered under one company name, you may be eligible for fleet insurance. This puts you in a ‘volume buying’ position allowing an insurance broker to negotiate with various insurance companies to get you the best rate possible.
  • Do you have 100 employees or more? Large companies can have group plans designed for their specific needs. An insurance broker can negotiate with many Canadian insurance companies on your behalf for the lowest rates possible.

What Our Clients Are Saying!

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Jeffrey Teerlinck

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Morgan at M&W was a joy to work with. And she got us the right insurance extremely swiftly. Morgan was the first one to call after I had submitted an online quotation request. I highly recommend M&W and will definitely consider changing over my other policies in the future.
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Cynthia Young

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I have been a customer for 20 years. The staff and service are like family to me. I feel safe and secure that they know how to manage my insurance needs. I always get full information and details on all my insurance needs. Throughout all my life stages in the past 20 years the Mitchell family has always been there. I would recommend that anyone who wants personal service in today's hectic world reach out to them.
Photo of insurance reviewer Derek Faulconer
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Derek Faulconer

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I rarely give endorsements or reviews, but I have to say that if you want assistance from an excellent principled insurance expert, then you have to check out the team at Mitchell & Whale. Price is important, but you need to understand your options. Mitchell & Whale can help you understand your choices and help you make informed decisions.
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