Commercial Auto Insurance in Ontario
From one work truck to a full fleet, business vehicles need coverage that matches how they are used. We connect Ontario businesses with brokers who place commercial auto, fleet, trucking and non-owned auto coverage, and who explain what the 2026 Ontario auto changes mean for you.
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Service & Support:
- Follow-up from a licensed broker within 24 hours
- Policy Review and Comparison
- Risk Assessment
- Help with certificates of insurance, policy changes and contract reviews
- Renewal planning well before your policy expires
Commercial Auto Insurance in Ontario
If a vehicle is used for your business, it needs to be insured for business use. That includes a single pickup truck used on job sites, a fleet of delivery vans, a dump truck, or employees driving their own cars to see clients.
Commercial auto insurance covers business owned and business used vehicles for liability, accident benefits and physical damage. In Ontario it is built on the same mandatory framework as personal auto insurance, but the limits, rating and extra coverages are designed for business risk.
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We are not an insurer or a broker. We find you the right one.
Matched by industry
We connect you with a broker who works with businesses like yours, not a generic call centre.
Licensed Ontario brokers
Insurance brokers in Ontario are licensed by the Registered Insurance Brokers of Ontario (RIBO).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
No cost to be matched
Our referral service is free for businesses. You deal directly with the broker for quotes and coverage.
What Ontario law requires
Mandatory auto coverage in Ontario
Every vehicle driven on Ontario roads must be insured. A standard Ontario auto policy includes third party liability with a legal minimum of $200,000, statutory accident benefits and uninsured automobile coverage. Most businesses carry $1 million or $2 million in liability, and many contracts require it.
Third party liability for injury and damage you cause to others
Statutory accident benefits for people injured in a collision
Uninsured automobile coverage
Direct compensation property damage for your own vehicle, which you can elect not to claim
Accident benefit changes as of July 1, 2026
As of July 1, 2026, only medical, rehabilitation and attendant care benefits remain mandatory under Ontario’s statutory accident benefits. Other benefits, such as income replacement, became optional. For business owners this is worth reviewing with your broker, especially where employees drive as part of their job.
CVOR for trucks and buses
Trucks with a registered gross weight or actual weight over 4,500 kg, buses seating 10 or more passengers, and tow trucks generally need a Commercial Vehicle Operator’s Registration (CVOR) certificate in Ontario. Your CVOR safety record and your insurance underwriting are closely linked.
Commercial auto coverages to consider
A broker will match coverage to how your vehicles are actually used.
Liability and physical damage
Liability pays for injury and damage you cause to others. Physical damage coverage protects your own vehicles through collision, comprehensive or all perils coverage, subject to deductibles.
- Higher liability limits for contract requirements
- Collision and comprehensive on owned vehicles
- Coverage for upfitted equipment such as racks, plows and lifts
Fleet insurance
Once you have several vehicles, a fleet policy can simplify administration and let you add and remove units as your business changes. Fleet pricing leans heavily on driver records, telematics and safety programs.
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Hired and non-owned auto
If employees use their own vehicles for work or you rent vehicles, your business can be named in a claim. Non-owned auto liability (the SPF 6 policy in Ontario) and coverage for damage to hired vehicles close that gap.
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Trucking and cargo
For-hire carriers need auto liability, physical damage and cargo insurance for the goods they haul. Cross-border operations have additional US requirements.
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Garage and dealer coverage
Repair shops, dealers, detailers and valet operators are responsible for customers’ vehicles in their care. A garage policy covers your liability for vehicles you service, store or drive.
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Keep your vehicles and your business moving
A vehicle claim can take a truck off the road and put your business on the hook for injuries at the same time. The right commercial auto program protects both, and it keeps you compliant with Ontario law and your contracts.
Tell us about your vehicles and drivers, and we will connect you with a broker who places commercial auto and fleet insurance in Ontario.
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Commercial Auto Insurance FAQs
Do I need commercial auto insurance for a personal vehicle I use for work?
If the vehicle is used for business purposes such as hauling tools, making deliveries or carrying clients, your insurer needs to know. Depending on the use, you may need a commercial policy or a business use endorsement.
What is the minimum auto liability in Ontario?
The legal minimum is $200,000 in third party liability. Most businesses carry $1 million or $2 million, and many contracts require at least $2 million.
What changed with Ontario auto insurance on July 1, 2026?
Only medical, rehabilitation and attendant care accident benefits remain mandatory. Other accident benefits, such as income replacement, are now optional. Review your choices with a broker, especially for vehicles employees drive.
Do I need a CVOR certificate?
Generally yes if you operate trucks over 4,500 kg registered gross weight, buses that seat 10 or more passengers, or tow trucks in Ontario. Check the Ontario government CVOR guidance for exemptions.
Are my employees covered when they drive their own cars for work?
Their personal policy responds first, but your business can still be sued. Non-owned auto liability protects the business in that situation.
Does commercial auto cover tools in my truck?
Usually not. Tools and equipment are generally covered under a separate tools and equipment or contractors equipment policy.
What to expect from a specialist
1Discovery Call
(30 to 45 min)Understand operations, contracts, assets, and loss history.
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We will request your
expiring policies and loss runs.
2Risk Mapping
(1 to 3 days)Document exposures, limits, sublimits, deductibles, and endorsements that fit your contracts.
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3Market Placement
(2 to 5 days)Approach the right markets
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and negotiate terms, exclusions, and deductibles.
4Proposal & Bind
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Side-by-side options in clear wording, so you can choose with confidence.
Protect your team too
Offer health, dental and life benefits your employees will value.
We also connect Ontario businesses with licensed benefits advisors, from two person teams to growing companies.
5/5 rating on GoogleThe Commercial Insurance Difference: Feedback from those referred
Proactive Broker Relationship.
The most noticeable difference was the fact that I no longer felt that I was needed to manage the broker... the brokers came to me with proactive recommendations and knew when to push and shop the market and when not to. When the topic of business insurance comes up, I always refer fellow business owners.
Steve T
Security Blanket For My Business
I was always the type of customer that never believed in insurance and only really got it because I had to. Then I connected with a broker through Commercial Insurance.ca and they asked me questions no one else ever did and that's how I knew something was different. They took the time to understand and evaluate the risks. Well, I ended up getting some extra coverage (legal expense) and thank goodness I did. Something fairly innocent turned into something quite nasty and I didn't have to do too much... my coverage took care of it. Now I look at Insurance as a security blanket for my business.
Michael L
They had my back
No one likes buying insurance because it's a bit of a bet against yourself. You just hope that when the bad things happen that insurance will do what it said it would do in the first place. Their specialist stand behind the policy's that they bind. They never professed to get me the best price, but they did say they have my back, and have my back, they did.
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