Commercial auto insurance for working vehicles
Work trucks, delivery vans and contractor vehicles need more than personal car insurance. We compare commercial auto coverage for businesses of every size, from a single pickup to a small fleet.
What is commercial auto insurance?
If a vehicle is used for business, such as carrying tools to job sites, making deliveries or hauling materials, a personal auto policy may not cover it. Commercial auto insurance is designed for vehicles that earn money.
It provides the same core protection as personal auto insurance, liability, accident benefits, collision and comprehensive, with limits and options that suit business use, multiple drivers and mounted equipment.
Who it’s for
- Contractors and trades
- Delivery and courier businesses
- Landscaping and snow removal
- Local hauling and dump trucks
- Businesses with company cars or vans
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Third-party liability
Covers injury and property damage your business vehicles cause to others.
Accident benefits
Medical and income benefits for drivers and passengers after a collision.
Collision
Repairs your vehicles after a collision, minus your deductible.
Comprehensive
Covers theft, fire, vandalism, hail and glass damage.
Hired and non-owned auto
Protects your business when employees use rented or personal vehicles for work.
Loss of use
Covers a replacement vehicle so work does not stop after a claim.
Commercial auto: what to know
Practical points we walk every client through before they choose a policy.
Using a personally insured vehicle for regular business work can lead to a denied claim. If you carry tools for jobs, make deliveries or haul for others, tell your broker.
Hauling goods for other people is rated differently than carrying your own materials, and you may also need cargo coverage.
Snow removal, sanding and gravel trucks face higher winter risk. Mounted equipment like plows, cranes and hoists must be declared to be covered.
Many contracts require $2 million liability on commercial vehicles. We will match your limits to your agreements.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Commercial auto insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppIf you use it regularly for business, such as driving to job sites with tools or making deliveries, yes. Personal policies often exclude or limit business use.
Commercial auto covers vehicles used in a business, such as service trucks and vans. Trucking insurance is for carriers hauling freight, often for hire, with cargo coverage and filings.
Usually not under the auto policy itself. A tools and equipment floater covers tools in your vehicle, on job sites and in storage.
Yes, as long as they are listed or meet your insurer’s driver requirements. Let us know about every regular driver.
Vehicle details with VINs, how the vehicles are used, driver licence numbers, and any claims or tickets in recent years. You can complete it in a few minutes in our quote form.
Get your commercial auto quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.