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If your business uses vehicles as part of its day-to-day operations, commercial auto insurance plays an important role in protecting your business. It helps cover costs that can arise after a collision, theft or other covered loss involving a business vehicle.
Insured losses across Canada are climbing, in part due to more frequent and severe weather. Over the past few years, the cost of insured damage to Canadian homes, businesses and vehicles has doubled, rising from $10 billion to roughly $20 billion. In 2024 alone, insured commercial losses reached over $1.7 billion due to severe weather.
At BrokerLink, our commercial insurance brokers help businesses across Canada find commercial auto coverage that reflects how their vehicles are actually used. Contact BrokerLink today for your free commercial auto insurance quote.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Commercial auto insurance is a type of business insurance that helps protect vehicles used for work. It can help cover damage to your vehicles, injuries to others and certain costs that arise when a business vehicle is involved in an accident or other covered event.
This type of insurance is different from personal car insurance. While personal policies are designed for commuting and everyday driving, commercial auto insurance is built around business use. That includes driving between job sites, transporting tools or goods, making deliveries or visiting customers throughout the day.
Commercial auto policies must meet provincial auto insurance requirements, just like personal auto policies. Each province sets its own rules around mandatory coverage and limits, which means coverage details can vary depending on where your vehicles are licensed and operated.
Businesses with even a single vehicle need commercial coverage if that vehicle plays a role in daily operations. At BrokerLink, we work with businesses of all sizes and across a wide range of industries that depend on vehicles to operate. Secure your business with us today.
Any business that uses a vehicle for business purposes beyond commuting to and from work, such as:
Delivery and courier businesses
Food and drink businesses with their own delivery drivers
Food trucks and mobile service businesses
Client and specialized transportation companies
Taxi and rideshare drivers
Contractors and tradespeople
Professionals driving to client locations
Snow removal or landscaping businesses
Businesses with vehicles that travel into the United States
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Like personal auto insurance, commercial auto is mandatory in Canada across all provinces and territories. While each province and territory sets a minimum level of required coverage, those minimums may not reflect the real cost of a serious claim. For example, Ontario requires a minimum of $200,000 in third-party liability coverage, but many businesses choose higher limits to better protect against lawsuits and injury claims.
Further, accidents involving business vehicles can lead to costs that go well beyond basic repairs. A single claim can involve medical expenses, legal fees, vehicle damage and lost income if the vehicle is off the road.
Having commercial auto insurance can also help satisfy lender, leasing or contract requirements where proof of insurance is required. Therefore, no matter what industry your business is in, if it heavily relies on your vehicle to perform essential tasks, we strongly advise consulting with an insurance broker about obtaining a commercial auto policy.
A commercial auto insurance policy is typically made up of mandatory and optional coverages. Businesses can customize their insurance plans by adding extra coverages and choosing deductible options.
Third-party liability coverage
Accident benefits coverage
Direct compensation-property damage (DCPD)
Uninsured motorist coverage
Collision coverage
Comprehensive coverage
Commercial fleet coverage
Modifications and attached equipment
Accident forgiveness coverage
This coverage helps protect your business if your driver causes injury to someone else or damages their property. It can help cover medical costs, repair expenses and legal fees, up to the policy limit. Liability coverage is mandatory across Canada, but required limits vary by province.
[Not mandatory in Newfoundland] If a driver, passenger, pedestrian or cyclist is injured, there may be medical or recovery costs that aren’t fully covered by provincial health care plans. Accident benefits coverage can help with these expenses, such as medical treatment, rehabilitation and other injury-related costs. How these benefits work and what’s included, depends on the province where the vehicle is insured.
[Mandatory in Alberta and the Atlantic provinces] DCPD is designed to simplify claims when your business vehicle is damaged in an accident where your driver is not at fault. Instead of dealing with the other driver’s insurer, you work directly with your own insurance company to repair the vehicle.
[Not mandatory in Alberta, Quebec, Manitoba, Saskatchewan and Yukon] Uninsured motorist coverage can help protect your business if one of your vehicles is involved in an accident with an uninsured or underinsured driver or if it’s involved in a hit-and-run. It can help cover injuries and, in some cases, vehicle damage.
Collision coverage helps pay for repairs or replacement if your business vehicle is damaged in a collision with another vehicle or an object or if it rolls over. This coverage applies regardless of who is at fault and is commonly chosen for newer, financed or leased vehicles or vehicles that your business depends on every day.
Comprehensive coverage protects against damage that isn’t caused by a collision. This can include theft, vandalism, fire, flooding, hail, falling objects or contact with wildlife. For many businesses, comprehensive coverage provides peace of mind against losses that can happen even when a vehicle isn’t being driven.
Commercial fleet coverage is designed for businesses that operate multiple vehicles. Instead of insuring each vehicle under separate policies, fleet coverage groups them under one policy. Fleet coverage may also offer different underwriting options compared to individually insured vehicles, depending on the size and structure of the fleet.
Commercial vehicles often have added features such as toolboxes, racks, lifts or tanks, but these items aren’t always covered automatically by a standard insurance policy. Listing modifications and attached equipment helps ensure their value is considered if a claim occurs.
Accident forgiveness is additional coverage that can be added to your auto insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.
Note: coverage varies by province
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The cost of commercial auto insurance can vary widely from one business to another. Even two of the exact same vehicles can have very different premiums, depending on how they’re used and where they operate.
Insurers look at the type, size and value of each vehicle, along with how much it would cost to repair or replace after a loss. Heavier vehicles, higher-value vans or trucks and vehicles with specialized equipment often come with higher premiums because damage claims tend to be more expensive.
A vehicle driven occasionally for client visits presents a different risk than one used for deliveries, job-site travel or frequent stop-and-go driving. Businesses with vehicles on the road for long hours or covering high mileage are generally exposed to a higher risk of claims. If your business vehicles also travel into the United States, you may need additional coverage.
Vehicles that operate in busy urban areas, high-traffic corridors or regions with higher theft or collision rates may cost more to insure. Exposure to severe weather can also affect pricing, especially in areas prone to hail, flooding or winter road conditions.
Insurers want to know who is driving the vehicles to see their driving history. Experience, prior claims and driving records all influence how a policy is priced. Over time, a clean driving record can help keep premiums more stable, while accidents or violations can lead to higher costs.
Insurers also look at how vehicles are maintained and how drivers are managed. Driver training, clear vehicle-use policies, regular maintenance and safety programs can all help reduce the likelihood of accidents. Businesses that take these steps are generally less likely to experience losses, which can help keep premiums more stable over time.
The level of coverage you choose affects what your policy costs, as well. Higher liability limits and added options like collision or comprehensive increase the amount of protection in place, but they also increase premiums. In return, your business has broader coverage if a vehicle is damaged, stolen or written off after a loss.
A business with few or no auto claims over several years is typically viewed as lower risk and may see more stable pricing at renewal. On the other hand, multiple claims or a single large loss can lead to higher premiums or tighter coverage terms.
If you’re looking to manage the cost of commercial auto insurance, here are a few areas to consider:
Let's take a look:
Bundling commercial auto insurance with other business policies, such as general liability or property insurance, with the same insurance company, can often lead to lower insurance premiums.
If your business operates more than one vehicle, insuring them together under a single policy or fleet structure can reduce your premiums for each policy and create more consistent coverage across vehicles.
Businesses with few or no recent auto claims are generally viewed as lower risk, so you can help keep your business premiums more stable by maintaining a clean claims history.
Installing approved winter tires each year may qualify you for a winter tire discount of up to 5%, depending on the insurer. This is because winter tires can improve traction and braking in cold conditions, making collisions less likely to occur.
If business vehicles are equipped with alarms, immobilizers or tracking systems, they may be less attractive to thieves. By lowering the risk of theft, you may qualify for a discount for adding certain anti-theft measures.
Next, let's look at ways you can save:
A higher deductible can help reduce your premium. That said, any deductible amount you choose should be manageable for your business if a claim occurs.
Some insurers apply service charges for each monthly payment. You can avoid these extra monthly fees by paying your policy in full upfront.
If your business vehicle usage has changed, your policy may still reflect older risks. Reviewing coverage at least once a year helps ensure you’re not paying for exposure you no longer have and it can also help prevent coverage gaps if your operations have expanded.
Insurers may offer other discounts for things like driver training programs, telematics, lower annual mileage or private parking. A broker can confirm which discounts apply to your business and which do not.
While the core idea of commercial auto insurance is similar across the country, the required coverages, terminology and claims handling can differ depending on where your vehicles are licensed and operated. Here's a table to compare:
Province / Territory
What’s required
How coverage works
How claims are handled
Alberta
Third-party liability, accident benefits, uninsured automobile, DCPD
Private insurance market with DCPD
Your insurer for most not-at-fault vehicle damage
British Columbia
Liability, accident benefits, vehicle damage (basic coverages)
Public insurance system for basic auto coverage
The provincial insurer
Manitoba
Liability, accident benefits, vehicle damage
New Brunswick
Newfoundland and Labrador
Third-party liability, accident benefits, uninsured automobile
Private insurance market
Usually depends on fault
Northwest Territories
Nova Scotia
Nunavut
Ontario
Third-party liability, accident benefits, uninsured automobile and typically DCPD
Private insurance market with DCPD (opt-out available)
Prince Edward Island
Quebec
Third-party liability, accident benefits
Public/private split system
Public insurer for bodily injury, private insurer for vehicle damage
Saskatchewan
Yukon
At BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, travel plans or pets, let us help you find the best coverage possible.
You can reach us by phone, email or in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
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While the province determines the minimum required liability, many businesses choose higher limits as collisions can quickly exceed the legal minimum. A broker can help you determine what limit is best for your business.
Your business may need hired and non-owned auto coverage, even if employees have personal insurance.
Not always, as the impact of a claim depends on multiple factors, like fault or severity. As such, a single not-at-fault claim may have little or no effect, while multiple claims or a large at-fault loss may lead to higher premiums.
Yes. Added equipment or modifications should be disclosed to your insurer so the vehicle is properly insured, should a loss occur.
If a vehicle is used in ways that weren’t disclosed, such as making deliveries or towing trailers, it may affect your coverage. It’s important to update your policy if how a vehicle is used changes.
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