Commercial Auto Insurance – Ontario

If your business includes an element of being out on the road, you’ll want to learn more about commercial auto insurance. Whether you are a specialty trades contractor who relies on your truck every day for work or a construction company with many vehicles, Westland takes the guess work out of insuring your business vehicles. Commercial auto insurance ensures that you have the proper coverage and provides peace of mind, so you’re able to focus on the future of your business.

As your local insurance experts, we know that each business in Ontario is unique in its own way. We all rely on commercial auto to keep our economy rolling.  From a general contractor’s pickup truck to large scale heavy fleets that roam the province of Ontario and beyond, we’ve got you covered.

We understand it’s vital to protect what’s most important to you and your business. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on nurturing your business for the future.

Why Choose Westland?

We know that your business insurance needs to match your goals, your business and your budget. Our expert business insurance advisors get to know you and your business, so that they can tailor a policy to your exact needs. We’ll work with you to build a risk management solution, ensuring coverages line up with your business needs.

Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.

Commercial Auto Insurance Explained

Whether your operation has one vehicle or many, you need the proper protection with a commercial auto insurance solution based on your needs. Commercial auto insurance is required on vehicles that operate outside of personal use purposes. For those that operate with many vehicles, fleet insurance is a great option from an efficiency and cost management perspective.

Any vehicle that is used for business purposes is classified as a commercial vehicle. For instance, driving to and from work or school isn’t considered a business purpose. An electrician’s van with tools and equipment that’s used in the business would be a commercial vehicle.

To be considered a commercial fleet, your business must meet three requirements:

  • Typically, five vehicles minimum
  • Commonly owned or commonly managed
  • Used for commercial, business, or public purposes

Our team of Fleet Insurance professionals are dedicated to servicing the needs of our commercial auto customers. We pride ourselves on building long-term relationships by providing our clients with the highest level of service.

Fleet insurance provides additional coverages to ensure your vehicles have the best coverage for you. Further peace of mind for your team when out on the road.

Forgiveness Coverage for Accident

  • Covers driving record
  • Coverage for Individuals
  • Involves not only the driver but also a passenger such as a crew member

Loss of Use

  • If damage is covered by an insured peril, expenses required to rent another vehicle during repair are then covered

Depreciation Deduction Removal

  • Depreciation isn’t applied if there’s a loss to owned or leased vehicles (usually within 24-28 months of lease or purchase).

Liability for Non-Owned Vehicles

  • Covers damage to a vehicle you may not own such as a borrowed vehicle or rental

Any organization that has a group of vehicles that are used for business purposes can benefit from fleet insurance, including:

  • Cities, Municipalities & Townships School Districts
  • General Contractors
  • Transportation & Trucking
  • General Companies
  • Care Service Providers
  • Churches & Religious Associations
  • Automotive Repair Garages
  • Dealerships & Towing Companies
  • Restoration Services
  • Farms
  • Specialty Trade Contractor

Do I Need to Apply for Fleet Status?

Is your business in the trucking or logistics industry? If so, you’ll want to check out our Transportation & Logistics page.

How Much Does Commercial Auto Insurance Cost in Ontario?

Just as businesses differ across Ontario, so do the risks and exposures which impact the cost. The following factors will impact the cost of your fleet insurance coverage:

  • Location
  • Types of Vehicles
  • Number of Vehicles
  • Driver Experience
  • Nature of Business
  • Driving Radius
  • Driver Experience
  • Loss History
  • CVOR Experience
  • Risk Management/Maintenance Plan

Review Your Insurance and Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique risks and operations, and find the perfect insurance policy for your business. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your business coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!

Request a quote

10 Ontario Business Facts

  1. Niagara Falls is one of the largest draws to Ontario. In fact, it welcomed 12.9 million visitors in 2017 and tourism expenditures reached a whopping $2.4 billion!
  2. It comes as no surprise that Toronto is a big player in the film and television production sector. Often being called the Hollywood of Canada, over 25% of Hollywood movies are filmed in Toronto.
  3. Fishing is a beloved past time in Ontario, but it’s also an economic driver. With over 1.12 million anglers on Ontario water a year, they spend $1.6 billion a year in the province. Whether that’s remote fishing lodges or supporting small angling businesses.
  4. Ontario is one of the most multicultural places in the world. It’s home to many festivals including Caribbean Carnival, Jazz Festival and Oktoberfest. In fact, there are over three thousand festivals each year.
  5. Ontario has a thriving agricultural sector. The province contributes to almost a quarter of all farm revenue in Canada. The top crop productions are soybeans, corn for grain and winter wheat.
  6. Forestry is another large industry in Ontario, supporting over 53,000 jobs. In fact, the forests of Ontario cover a land area close to the size of Italy, Germany and the Netherlands…combined.
  7. Ontario is the national leader when it comes to manufacturing. Automotive, textiles, electrical goods and farm implements attribute to an industry that employs about half of Canada’s manufacturing jobs.
  8. The Royal Ontario Museum is the largest in Canada, and the fifth largest in all of North America. It sees a total of one million visitors a year who stop by to see many collections in over 40 galleries.
  9. Another driving force for the province is the food processing industry. Ontario has over 3,000 companies that make both food and beverage products. Companies include Kraft, Nestle, Kellogg’s, Coca Cola and PepsiCo.
  10. With over 25,000 restaurants in Ontario, it’s not surprising that some famous dishes have originated in Ontario. The Hawaiian pizza didn’t originate from the islands of Hawaii, rather at the Satellite Restaurant in Chatham!

Claims Experience from Westland Clients

“We had a line of our skincare product that ended up causing damage to the customer’s skin”.

Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.

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