A commercial automobile or fleet policy is an auto insurance policy designed for business use of vehicles. Vehicles owned or used by the business or its employees on company business are included.
Financial protection if a third party is harmed or property damaged; Morison recommends a minimum of $2M liability
Income replacement, attendant care, medical and rehabilitation costs; optional to increase
Covers your vehicle and contents when not at fault; claim with your own insurer
Protects against hit-and-run or uninsured driver; covers medical and repair costs
Covers your customers' vehicles while they are in the care, custody, and control of the garage business
Excludes damages to any vehicles a garage owner owns, leases or has registered in the garage owner's name
Provides a rental vehicle while your vehicle is being repaired after an at-fault accident
Your first at-fault accident won't affect your insurance premiums, and also protects your driving record
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Who needs commercial auto insurance?
Commercial auto insurance covers vehicles like cars, trucks, vans and trailers that are used for business or working purposes. So whether you own a large trucking company, are a Farmer and use your vehicle for farming purposes, are a large or small contractor that uses your vehicle to drive to various job sites, are a local retail store owner that uses your vehicle to pick up stock, you will need commercial auto insurance for all the vehicles you use for business, even if it is only occasionally.
What is commercial auto insurance?
Commercial auto insurance ensures your business vehicles are properly protected for physical damage and liability coverages for amounts, situations, and business usage. The policy protects your business vehicle from collisions and other damages that can occur.
What does the O.E.F. 71 endorsement (Excluding Owned Automobiles) do?
This endorsement excludes damages to any vehicles a garage owner owns, leases or has registered in the garage owner's name. Vehicles owned by the garage owner are covered under an Ontario Automobile Policy.
What is OPCF #20 Loss of Use coverage?
As a result of an automobile accident where you are found at fault, Loss of Use insurance coverage will provide you with a rental vehicle while
How does Accident Forgiveness work on a commercial auto policy?
If you have purchased Accident Forgiveness insurance on your commercial automobile and you are the at-fault driver in a vehicle accident, you will be 'forgiven' for the first at-fault accident. This means your first at-fault accident won't affect your insurance premiums and also protect your driving record.
