Fleet Insurance

Commercial Fleet Insurance

Small businesses with a fleet of cars, vans, or trucks need a customized insurance policy to protect their commercial fleet vehicles.

Zensurance - commercial fleet insurance

Partnerships with over 50 leading Canadian insurance providers

Partnerships with over 50 leading Canadian insurance providers

Why Choose Zensurance?

We help Canadian business owners save time and money by providing
a convenient and affordable way to buy business insurance.

Claims Examples


Third-party liability

Problem: One of your employees gets into an accident with a company vehicle, injuring another driver, and is found to be at-fault for the accident. The injured driver sues your company for damages.

Outcome: Your third-party liability coverage may pay for the cost of the injured driver’s medical expenses, as well as your court costs and any settlement against you determined by the court


Comprehensive insurance

Problem: While driving one of your company’s vehicles on a highway to make a delivery to a customer, your employee hits a deer that darts out suddenly in front of them, significantly damaging your vehicle.

Outcome: Your comprehensive insurance coverage may pay for the damages to your vehicle caused by the impact of the deer running out in front of your driver unexpectedly.


Uninsured auto insurance

Problem: One of your employees driving a company vehicle is involved in a collision with another driver who does not have any insurance, and the other driver is deemed to be at fault for the accident.

Outcome: Your uninsured auto coverage may pay for the damages to your company vehicle, as well as any injuries your employee suffers from the accident.

Fleet Insurance, Explained.

What is fleet insurance?

Fleet insurance is a specialized policy offered to small business owners who own a minimum of five vehicles and use them exclusively for business purposes. It makes it easy to cover all the vehicles your company owns with one policy, and it allows insurers to group-rate vehicles and potentially result in a discount on your premium.

Fleet insurance can also be known as:

  • business fleet insurance
  • motor fleet insurance
  • fleet auto insurance

Why do you need fleet insurance?

Whereas a commercial auto insurance policy is generally designed for individuals or organizations with fewer than five vehicles, fleet insurance provides coverage for companies that operate several vehicles (five or more) to protect them against the risk of third-party bodily injuries, property damage, or other unexpected events such as theft or vandalism. Fleet insurance policies can also save small business owners money when compared to personal auto insurance policies.

What does fleet insurance cover?

A customized fleet insurance policy from Zensurance is designed to provide small businesses with general liability and commercial auto coverage in most Canadian provinces. Like the coverages provided in a personal car insurance policy, fleet insurance coverage typically includes:

  •  Third-party liability: Covers damages and injuries to others if you’re at fault for a car accident. It includes coverage for your legal expenses if you’re sued after an accident.
  • Accident benefits: Accident benefits cover medical expenses, loss of income, or funeral expenses as a result of a collision involving a company vehicle and one of your employees.
  • Uninsured and underinsured auto: If one of your employees is injured or killed by an uninsured driver or because of a hit-and-run, uninsured and underinsured auto will cover the cost of damages or loss.
  • Collision or upset coverage: Collision coverage helps pay to repair or replace your vehicle if it’s damaged or a total loss resulting from an accident with another vehicle whether you are at fault for the accident or not.
  • Comprehensive coverage: Comprehensive coverage protects your vehicle against damages resulting from anything other than a collision or accident, such as theft, vandalism, or fire.

How much does commercial fleet insurance cost?

If your company owns and operates a number of vehicles, then insurance can be a costly proposition. But it doesn’t need to be. The cost of a fleet vehicle insurance policy involves several factors, including:  

  • Your employees’ or drivers’ driving records and years of experience behind the wheel
  • The type and value of the vehicles in your fleet
  • Your employees’ or drivers’ ages and genders
  • Where your business is located where the vehicles are typically parked
  • How many kilometres does each vehicle log annually

Different insurers offer different premiums based on these and other factors. Your best bet to get a low, annual premium for your vehicle fleet is to have a broker shop around on your behalf and find you a policy that suits your needs.

Frequently asked questions

What is the difference between a commercial auto policy and a fleet vehicle insurance policy?

A commercial auto policy is designed to cover one vehicle that is used for business purposes. A fleet insurance policy is designed to cover five or more company vehicles used for business purposes. Though each policy contains similar types of coverages, a fleet insurance policy also covers any employee with a valid driver’s licence and can consist of a variety of vehicles including passenger cars, SUVs, vans, trucks, and trailers. Thus, any business with no designated drivers but with employees who may need to switch vehicles can benefit from fleet insurance, such as hotel shuttles, delivery services, taxi companies, moving companies, and car rental businesses.

How can I reduce the cost of a motor fleet vehicle insurance policy?

There are many things you can do to help lower your commercial fleet insurance costs. For example, be selective with who you allow to drive your vehicles and vet each driver’s driving record thoroughly. Also, provide your drivers with advanced driving training, ensure regular maintenance of your fleet, use winter tires from November to May, and install anti-theft and tracking devices on all your vehicles. It’s also wise to ensure your vehicles are parked in a secured lot or garage, select higher deductibles for your coverages, and if you can, avoid filing unnecessary claims for minor damages you can fix yourself.

How can I prevent my business fleet insurance premium from rising upon renewal?

Beyond ensuring your drivers obey the rules of the road, avoid getting into collisions or racking up serious traffic violations, talk to your broker about adding an accident forgiveness endorsement or rider to your policy. Some insurance companies will provide you with accident forgiveness, which is an endorsement whereby the insurer will “forgive” you if you are at fault for a collision if it’s the first accident you’ve been in over the previous six years. If you get into an accident and are deemed to be at fault, your accident forgiveness endorsement (which can only be used once) will ensure your premium doesn’t increase come renewal time because of that accident. 

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