Coverage for the vehicles that keep the business moving.
Insurance for cars, vans, trucks and other vehicles used in your business, with options based on how they’re driven.
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WHAT IT DOES
The policy that follows the vehicle, not the premises.
Once a vehicle is used for business, a personal auto policy usually stops fitting. Commercial Auto is written around who drives and what it does.
01
A company vehicle is involved in a collision
02
A driver damages third-party property
03
An insured vehicle is stolen or damaged
04
A business vehicle causes bodily injury to another party
A Commercial Auto policy may respond in each case, subject to the policy wording, limits, exclusions and conditions.
WHAT IT MAY COVER
Common areas of coverage.
Third-Party Liability
Claims by others for injury or property damage arising from the operation of an insured vehicle.
Accident Benefits
The statutory benefits available following an automobile accident in Ontario, as set out in the policy.
Collision
Damage to an insured vehicle from impact with another object or vehicle, subject to the deductible.
Comprehensive
Loss or damage from insured perils other than collision, such as fire, theft or vandalism.
Uninsured Automobile
Certain losses caused by an unidentified or uninsured driver, as the policy provides.
Attached Equipment
Equipment permanently attached to the vehicle, where the policy extends to it and the value is declared.
Ontario automobile wordings are largely standard, but limits, deductibles and endorsements are not. A broker can confirm before you bind.
WHAT IT DOESN’T REPLACE
The policy answers for the vehicle. What it carries usually sits elsewhere.
This distinction catches businesses out most often. Tools, stock and goods inside the vehicle generally sit elsewhere.
Tools and Equipment
Tools and portable equipment carried in the vehicle, usually insured under a contractor’s equipment or inland marine form.
Cargo and Goods in Transit
Customers’ goods or stock being transported, which is generally a separate coverage.
Liability arising from your premises and operations rather than from the operation of a vehicle.
Property at your premises, including anything unloaded from the vehicle.
Personal Auto
Personal driving, which stays on a personal policy — the line between the two is worth confirming.
Non-Owned Automobile
Risk from vehicles you do not own but that are used for your business, often added separately.
General distinctions only, not a statement of what a particular policy does. A broker can review the wording with you.
WHO COMMONLY NEEDS IT
The operations that most often carry a Commercial Auto policy.
Anywhere a vehicle is part of how the work gets delivered. These are the HIFA industry pages where it comes up most often.
NOT SURE WHERE YOU FIT?
A broker can sort the vehicle from what is inside it.
Tell us what you drive, who drives it and what it carries. A commercial broker can review the risk and the wording with you before you approach the market.
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REAL CLAIM EXAMPLES
Two situations worth thinking through in advance.
Delivery Collision
A delivery van is involved in a collision at an intersection and a third party alleges injury and vehicle damage.
A Commercial Auto policy may respond to covered third-party liability claims and to damage to the insured vehicle.
Vehicle Theft With Tools Inside
A company vehicle is stolen overnight with tools and equipment still loaded in the back.
The automobile policy may respond to the loss of the vehicle itself. The tools inside it are generally treated separately and would need a tools and equipment or inland marine form.
Illustrative example
Illustrative only. These are not statements of coverage. Every claim is assessed on its own facts against the policy in force.
WHAT AFFECTS THE PRICE
Two businesses running similar vehicles can price very differently.
THE FLEET
Vehicle type and value
How each vehicle is used
Radius of operation
Number of vehicles
Garaging location
THE DRIVERS
Who drives and how often
Driving records and convictions
Annual mileage
Requested liability limits
Deductibles and claims history
A broker can tell you which of these is driving your number, and whether what you carry needs separate insurance.
WHAT WE’LL ASK YOU
The questions that change the policy.
01
What vehicles are owned or leased?
02
Who drives them, and are they listed?
03
How are the vehicles actually used?
04
How far do they travel, and where?
05
Are tools, goods or equipment carried in them?
06
What claims or convictions are on record?
Common questions
What owners ask about commercial auto.
Can I just use my personal auto policy if I use my car for work?
What is Non-Owned Auto coverage?
Are my tools covered if my work truck is broken into?
How does fleet insurance work?
Do I need special coverage for hauling dangerous goods?
Do I need commercial auto if I only drive to and from job sites?
READY TO TALK?
Let’s make sure the vehicles and what they carry are both accounted for.
Tell us what you drive, who drives it and how far. A commercial broker can review the risk before approaching insurers.
Want to talk now?