Commercial Auto Insurance in Ontario, Canada

Protecting Your Business on the Road

If your business relies on vehicles, the right insurance is essential. At Solutions Insurance Group, we provide tailored commercial auto insurance that protects your company vehicles, drivers, and liability — so your business stays moving forward with confidence.

🔎 What Is Commercial Auto Insurance?

Commercial auto insurance covers vehicles used for business purposes. It protects against financial losses if your business vehicles are damaged, stolen, or involved in an accident.

Coverage may include:

• 🚚 Repair or replacement of business vehicles after an accident
• ⚖️ Liability if your driver injures someone or damages property
• 🏥 Medical expenses for injuries to drivers or passengers
• 🚛 Coverage for theft, fire, vandalism, or weather-related damage
• 📦 Protection for tools, equipment, or goods carried inside vehicles

📝 Is Commercial Auto Insurance Mandatory in Ontario?

Yes — under Ontario law, any vehicle driven on public roads must be insured.

• The minimum requirement is $200,000 in liability coverage, though most businesses choose $1M or $2M.
• If your vehicle is registered to a business or used primarily for business purposes, you need a commercial auto policy (not a personal auto policy).
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🌟 Types of Vehicles Covered

Commercial auto insurance can cover:

• 🚚 Delivery vans and trucks
• 🛠️ Contractor and trade vehicles (plumbers, electricians, landscapers)
• 🚕 Taxis, rideshare, and service vehicles
• 🏗️ Construction vehicles
• 🚛 Fleets of company cars or trucks

🌟 Optional Commercial Auto Coverages

Businesses can add extra protection such as:

• Collision Coverage – Pays for vehicle damage after a crash
• Comprehensive Coverage – Protects against theft, fire, vandalism, and natural disasters
• Accident Benefits – Covers medical and income replacement for drivers/passengers
• Loss of Use – Pays for a rental if a company vehicle is out of service
• Cargo & Equipment Coverage – Protects tools, inventory, or goods in transit.
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🛡️ Why Choose a Broker for Commercial Auto Insurance?

Every business is different, and so are its risks. Our brokers help you:

• ✅ Ensure compliance with Ontario’s insurance laws

• ✅ Compare rates from top insurers for the best value

• ✅ Customize coverage for your specific business vehicles and needs

✅ Simplify fleet insurance if you have multiple vehicles