Commercial vehicle insurance for owner-operators and fleets
For owner-operators and fleets running heavier units, longer routes and US trips. We compare commercial vehicle insurance that matches how far you go and what you carry.
What is commercial vehicle insurance?
Commercial vehicle insurance covers trucks, tractors and specialty units used in business operations. Pricing is built around your radius of operation, where units are garaged, the drivers and what you carry.
It suits operations that need detailed underwriting: several units, mounted equipment, non-owned trailers, US exposure or public transportation. We gather the right details once, then present your operation to insurers that fit.
Who it’s for
- Owner-operators
- Fleets of trucks and tractors
- Units with cranes, hoists or mounted equipment
- Operations with US trips
- Businesses using non-owned trailers
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.
Auto liability
Covers injury and property damage your units cause to others.
Physical damage
Collision, comprehensive or all perils on your trucks and trailers.
Non-owned vehicles and trailers
Liability for damage to vehicles and trailers you use but do not own.
Cargo
Protects the goods you carry, whether your own or for customers.
Mounted equipment
Covers cranes, hoists and other machinery attached to your units.
General liability
Protects against claims from your yard, premises and operations.
Commercial vehicles: what to know
Practical points we walk every client through before they choose a policy.
Insurers rate commercial vehicles on how far they travel. Local operations usually cost less than long-haul routes, so accurate radius details matter.
Where units are parked overnight affects theft, weather and collision risk. List every garaging location.
Even occasional trips into the US need to be disclosed. Coverage, limits and filings differ once you cross the border.
Buses, taxis, limousines, driving schools and similar vehicles need specialized programs and supplements.
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 vehicle insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppBoth cover business vehicles. Commercial vehicle programs are usually for heavier units, owner-operators and fleets with longer routes or US exposure, while commercial auto suits local service vehicles and vans.
If you pull trailers you do not own, yes. Without it, damage to someone else’s trailer could come out of your pocket.
Only if your insurer knows about and accepts that exposure. Tell us your US destinations, trips per month and days spent in the US.
Fleets are rated on units, values, drivers, radius, commodities and loss history. Larger fleets with strong safety records often have more options.
Yes. Depending on your lease agreement, you may need physical damage on your unit and liability for times you are not under dispatch. We will review your lease with you.
Get your commercial vehicle quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.