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One or multiple cars, big fleets, or trucks – no matter the kind of wheels your business relies on, you’ll likely need commercial insurance.
You can choose the level of coverage that works for you to ensure your vehicles are protected if ever an incident happens.
Standard coverage
Third-party liability
Third-party liability coverage protects you if you’re responsible for injuring someone or damaging someone’s property.
Do I need commercial auto insurance?
Auto insurance is mandatory in most regions of Canada. But having an insurance policy doesn’t necessarily mean you have the right coverage. For instance, if you use your vehicle for business purposes, you may be required to purchase commercial auto insurance.
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Direct compensation – property damage
Direct Compensation Property Damage (DCPD) coverage protects your vehicle, what’s in it, and the loss of use in the event of an accident where you’re not or only partially at fault. Direct compensation means you deal with your insurer directly instead suing the other driver to recover damages.
Accident benefits
If you’ve been injured in an accident, accident benefits can financially assist you while you’re recovering, regardless of fault.
Optional Coverage
Collision or upset
Collision or upset coverage protects your vehicle from damages caused by impact with another vehicle or an object such as a guardrail, or if your car flips over.
Comprehensive
Comprehensive coverage protects your vehicle from losses other than collision or upset, such as fire, theft, vandalism, hail, flood, and more.
All perils
All perils coverage combines the protections of Collision or upset and Comprehensive. It also protects your vehicle in the event of theft by an employee who drives or uses, services or repairs the insured vehicle.
Specific perils
Specific risks coverage protects your vehicle from damages caused event specifically covered by your policy, such as lightening, an explosion or earthquake.
All perils other than collision or upset
All perils other than collision or upset coverage protects your vehicle from damages caused by fire, theft, vandalism, hail, flood, and more.
Enhanced coverage
Good record protection
Good record protection guarantees your insurance premium won’t increase at renewal as a result of up to two losses of any kind over a 5-year period. We forgive you not once, but twice, regardless of fault.
Plus, since this protection applies to individual vehicles, it can extend to all employees who drive them.
Responsible driver guarantee
Responsible driver guarantee ensures your insurance premium won’t increase at renewal as a result of the first chargeable at-fault accident involving the insured vehicle.
Minor conviction rating waiver
Minor conviction rating waiver ensures your insurance premium won’t increase at renewal as a result of one minor moving violation within the three years before the effective date of renewal.
Accident rating waiver
Accident rating waiver ensures your insurance premium won’t increase at renewal as a result of the first chargeable at-fault accident involving the insured vehicle.
Roadside assistance
Roadside assistance entitles your business to four service calls per year, per covered vehicle of 4,500 kg or less, from these options:
Vehicle towing up to 50 kilometres
Up to 10 litres of fuel delivered at no charge
Battery boosting
Door unlocking
Tire change
Winching
All of your employees who take the wheel of a covered vehicle can count on assistance services 24 hours a day, 7 days a week should an something go wrong on the road in Canada or the United States. They just have to dial 1 844 428-2020 or go to assistance.intact.ca.
Accident benefits
If you’ve been injured in an accident, accident benefits can financially assist you while you’re recovering, regardless of fault.
Replacement cost
Replacement cost coverage protects the value of your vehicle if it needs to be replaced because it was stolen or damaged beyond repair. The compensation you will receive will be for the original value of the vehicle, not its depreciated value at the time of the incident.