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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.
Enhanced coverage
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.