Ontario Commercial Auto Insurance
Protect your company’s vehicles and drive your business forward with a comprehensive commercial auto policy.
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Join over 100,000 businesses that have trusted us!
Save up to 35% on your insurance
Instant price and coverage in just a few clicks!
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Commercial vehicle insurance coverage
Commercial auto insurance provides coverage for your business’s vehicles. Our customized coverage protects all models of cars, trucks, vans, and trailers used for business purposes.
Ontario has a no-fault insurance system. But that doesn’t mean there is no fault assigned to a driver or drivers involved in a collision. A basic commercial auto insurance in Ontario includes the following mandatory coverages:
- Third-party liability provides financial support if you are responsible or at fault for an accident that causes property damage, personal injuries to another person, or death. The law requires you to carry a minimum of $200,000 worth of third-party liability coverage, but it’s recommended you increase the coverage limit to at least $1 million.
- Direct compensation-property damage (DCPD) allows you to file a claim to your insurance company for compensation directly. To qualify for DCPD compensation, the collision must have taken place in Ontario, you must not be at-fault for it, and all the vehicles involved must be identified and insured.
- Accident benefits include payment for your medical bills and rehabilitation regardless of who is at fault for the accident. The law requires you to carry a minimum of $200,000 worth of accident benefits coverage, but you can increase it to ensure you’re adequately protected.
- Uninsured auto pays for damages to your vehicle if you’re involved in an accident with an uninsured motorist or an unknown driver who commits a hit-and-run. The law requires you to carry a minimum of $200,000 worth of uninsured auto coverage.
There are optional coverages you can add to a standard commercial auto insurance policy in Ontario. Among the most common are:
- Collision or upset coverage
At-fault accidents can happen to anyone. Collision coverage pays to repair or replace another driver’s vehicle resulting from the collision you are responsible for causing.
- Comprehensive coverage
Damages to your car from severe weather such as a hailstorm or because of vandalism is what comprehensive coverage protection provides. It also covers the cost to replace your car if it’s stolen.
- All perils coverage
It’s the best of both worlds! All perils coverage combines collision and comprehensive coverages.
- Specified perils coverage
Specified perils, or named perils, only covers incidents that are specifically named in your policy, such as theft or damage to your car from hail.
Auto insurance is mandatory in the province of Ontario for all private-passenger and commercial vehicles. How you use your vehicle is the primary factor to determine if you need a commercial auto policy.
Whether you have a single car, SUV, or pickup truck, or a small fleet of branded company vans, you need a commercial auto policy if:
- You regularly transport equipment and materials, such as a contractor or renovation expert driving a pickup truck to a jobsite.
- You use a company vehicle for personal use occasionally.
When determining much a commercial auto insurance policy will cost you, an insurance company considers multiple factors, including:
- Your driving record
- Your years of experience behind the wheel
- The type of vehicle you drive
- Your age and gender
- Where you live or where the vehicle is typically parked
- How many kilometres you drive annually
- What optional coverages you decide to add to a standard or basic policy and the coverage limits and deductibles you select
- Your previous auto insurance claims
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- thanks for consistently prompt and professional service :0)Miramichi House3/04/2024This firm offers great rates with great online services. Their representative, Bernard Albano, was very helpful and diligent with follow-up.Scott Dalsin3/04/2024Great support provided by the Renewal team. Sangki one of the Renewal Manager's was very responsive, listened to my concerns and helped get a very competitive rate whiling getting the coverage we needed.Pedram Varjavandi3/04/2024
- Very please with their service. Prompt responses. Friendly customer service. I’d definitely recommend for your business insurance needs.Ti-Anna Hall3/03/2024excellent service... I highly recommend. Jesse was wonderful to deal withCharlene Hooper3/02/2024I am a CPA, CA and Zensurance made it very easy to get the coverage I need at a very affordable price. Mike Lancaster in particular was very helpful in explaining the policy and what my answers to the questions meant. Highly recommendAaron Herman3/02/2024
- Helpful and thorough - Adina Bennion at Zensurance guided me to the coverage that fits my business and I got the coverage I was looking for in a smooth process over the internet.Wayne Mitchell3/02/2024Billy Chang was great to deal with. Quick, honest and reliable. Would absolutely recommend him to friends and family.Dyab Al Nabout3/01/2024Shannon Henderson is a rockstar. I was tight on time and Shannon really helped gather all the info needed to move forward with my business. Great experience. Thank you!Jennifer Winter3/01/2024
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