Canadian Insurance Guide

Commercial Auto Insurance — Cover Every Business Mile

If you use a vehicle for work — deliveries, client visits, hauling equipment — your personal auto policy may not cover accidents. Commercial auto insurance fills that gap.

What is Commercial Auto Insurance?

Commercial auto insurance covers vehicles owned or operated by a business, protecting against accidents, theft, vandalism, and liability claims that arise from business use. Personal auto policies typically exclude coverage when a vehicle is used for commercial purposes.

What's Covered

  • Collision coverage for business vehicles
  • Comprehensive coverage (theft, vandalism, weather)
  • Third-party liability for property damage and injury
  • Uninsured/underinsured motorist coverage
  • Medical payments for driver and passengers
  • Coverage for hired and non-owned vehicles

Who Needs This Coverage?

Businesses that use vehicles for deliveries, service calls, hauling goods, transporting clients, or any commercial purpose need commercial auto insurance. This includes contractors, food delivery operators, moving companies, and fleet operators.

How Much Does It Cost?

Commercial auto insurance in Canada typically costs $100–$250/month per vehicle, depending on vehicle type, use, driver history, and coverage limits.

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Did You Know?

Many commercial contracts and leases require proof of insurance before you can start work.

Other Insurance Types

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