Commercial Auto & Fleet Insurance

Ontario Commercial Auto Insurance & Fleet Insurance

A commercial automobile or fleet policy is an auto insurance policy designed for the use of your vehicle or vehicles in a business rather than for personal use. Vehicles owned or used by the business or its employees on company business are included.

Our experienced insurance brokers know how to identify and manage many of the risk factors in your business and will translate that knowledge into an insurance package to meet your needs.

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.

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.

Additional Commercial Auto Insurance Coverages to Consider

Garage Auto Insurance

You may need a garage auto policy in addition to a Commercial General Liability insurance policy if you own an auto body shop, automotive repair garage or a similar business where you have customer vehicles in your possession.  A Garage Auto policy covers your customers’ vehicles while they are in the care, custody, and control of the garage business.

Garage Auto: O.E.F. 71 Excluding Owned Automobiles Coverage

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.

OPCF #20 Loss of Use or Transportation Replacement 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 your vehicle is being repaired. Our commercial insurance experts will explain the different limits that can be purchased for this valuable insurance coverage.

Accident Forgiveness Insurance

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.

Our commercial insurance brokers at Morison Insurance are here to help. Call us today to get a quote or fill out the contact form on this page to get started.