Commercial Auto Insurance in Canada – Protect Your Business Vehicles
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Why Do You Need Commercial Auto Insurance?
If you or your employees drive for business purposes—beyond commuting—personal auto insurance won’t cover damages or liabilities. Commercial auto insurance protects business vehicles, ensuring your operations remain uninterrupted in case of an accident, theft, or damage.
What Does Auto Insurance Cover?
- Liability coverage for third-party injuries & property damage
- Collision protection for vehicle repair or replacement
- Comprehensive coverage (theft, vandalism, fire, weather damage)
- Uninsured motorist protection
- Coverage for goods, tools, or equipment inside vehicles
- Rental reimbursement for downtime due to covered repairs
- Fleet insurance for multiple vehicles
What Types of Businesses Need Commercial Auto Insurance?
Contractors & trades (plumbers, electricians, HVAC professionals)
Delivery services & couriers
Rideshare & taxi drivers (Uber, Lyft)
Trucking & logistics companies
Landscaping & cleaning services
Realtors & sales professionals
How Much Does Commercial Auto Insurance Cost in Canada?
The cost varies based on several factors, with premiums averaging $1,500 – $5,000 per year per vehicle. Influencing factors include:
Business industry and vehicle usage
Type of vehicle (work truck, delivery van, sedan, etc.)
Employee driving records & claims history
Policy deductibles and coverage limits
Ways to Save on Commercial Auto Insurance
- Bundle multiple policies (commercial auto + general liability)
- Maintain a safe driving record among employees
- Choose vehicles with advanced safety features
- Increase deductibles for lower monthly payments
- Install GPS tracking and anti-theft devices in vehicles
Get a Free Commercial Auto Insurance Quote Today
Protect your company’s vehicles and keep business running smoothly. Get a free, no-obligation quote today!
FAQ: Commercial Auto Insurance in Canada
Yes, if you use your vehicle for business purposes, personal auto insurance won’t cover damages.
Commercial auto covers business use, higher liability risks, and often includes additional protections for work-related damages.
Yes, fleet insurance is available for businesses with two or more vehicles.
Yes, as long as they are listed as authorized drivers.
Some policies include rental reimbursement; confirm with your provider.
Some policies include cargo coverage, but additional endorsements may be required.
