Commercial Auto
Insurance Quotes in Canada

Think BIG

If you own a business that requires the use of a company vehicle or use your personal vehicle for business purposes, make sure you are covered with a commercial auto insurance policy. This includes driving for rideshare programs (Uber, Lyft), completing your deliveries, driving between construction sites or transporting passengers. For detailed information, browse through the following commercial auto insurance FAQs for quick answers.

What Is Commercial Auto Insurance and Why Do I Need It?

Commercial vehicle insurance is designed to cover any commercial usage of your vehicle. If you use your vehicle for business needs rather than your personal needs you may need business vehicle insurance for your auto. We always recommend speaking to your BIG broker to check whether commercial insurance is required for you. Not having a commercial policy when you need one leaves you vulnerable to risk. Here are some important coverage components that a commercial auto insurance policy may include:

• Liability coverage
• Personal injury or medical
• Comprehensive coverage
• Collision coverage
• Injury to you, your employed drivers or passengers
• Loading and unloading liability
• Replacement vehicle coverage

Your business is unique to you and so specialized coverage should be applied for your individual needs. For example, if you own many vehicles for business purposes, a commercial fleet policy can be implemented to cover multiple commercial vehicles. Another example is if you are operating your vehicle for business purposes in other provinces or in the USA, your Billyard Insurance Group Broker can make sure you and your employees are covered.

In the majority of cases, if you use your vehicle for any of the following reasons, you likely require commercial auto insurance coverage:

• You transport or deliver goods, materials or merchandise
• You transport equipment or tools
• Your vehicle is used for driver training
• You transport customers for any reason

What is Covered by a Commercial Auto Insurance Policy?

Commercial vehicle insurance provides coverage for most, but not all, of the vehicles a company might use to perform business services. In general, commercial auto coverage is available for:

• Trucks and vans used to transport merchandise and goods
• Company cars for business travel
• Fleets of trucks, vans, and cars
• Specialized vehicles, like refrigerated trucks or tow trucks
• Any bus or shuttle used for transporting an employee or customer
• Utility vehicles for construction or maintenance businesses
• Owned trailers for transporting equipment or other goods

Business auto insurance policies may be tailored to meet situations unique to business owners. Ask your BIG broker to outline what coverages are best for your vehicles.

Do I Need Commercial Auto Insurance or Personal Auto Insurance?

One of the most frequent questions we get asked is ‘do I need commercial auto insurance or it it covered under my personal auto insurance?’. The primary difference between commercial vehicle insurance and personal auto insurance is that commercial vehicle insurance has more specialized coverage for multiple drivers and tends to have higher liability coverage limits. Some types of business use may indeed be covered under your personal car insurance but unless you are an insurance specialist, don’t make this decision on your own.

Here are some of the reasons you may need to get commercial auto insurance on your vehicle:

• You use your vehicle for business purposes
• Your vehicle is registered for commercial use
• You use your vehicle for driver training
• You are a taxi service (including Uber or Lyft)
• Your employees use their vehicles for your business
• You use your business to drive between constructions sites (if you are a contractor for example)
• You make deliveries using the vehicle

If your business is not included on this list, don’t assume you don’t need commercial auto insurance coverage. A quick phone call to a BIG Insurance Broker will be able to answer this question for you.

Does Commercial Auto Insurance Cover Uber Ridesharing?

The taxi industry is changing and ride share apps have become more frequently used. If you’re looking to become a driver for Uber or Lyft, make sure you have business vehicle insurance coverage. Our BIG brokers work with companies who will be able to provide commercial auto coverage for your vehicle that your personal auto insurance typically won’t cover when you use your vehicle for ridesharing.

How Much Does Commercial Auto Insurance Cost?

The cost of a commercial auto insurance policy can vary. There are a number of factors that determine the cost of your commercial auto insurance premium. These include:

• Type & number of vehicles
• Employees’ driving records
• Amount of coverage
• Deductible
• Whether you own or lease the vehicle

Our BIG Brokers understand that you want to ensure you are getting the best price for the coverage you need. We will take the time to understand what coverage you need and also advise you of any discounts and savings available. These may include:

• Multi-policy discounts
• Telematics discounts
• Winter tire discounts
• Anti-theft device discounts
• Claims free discounts

How Do I Get Commercial Auto Insurance with Billyard Insurance Group?

You can begin by filling out our online quote form for your company car insurance with the Billyard Insurance Group. We will shop different commercial auto insurance companies on your behalf to find the most suitable insurance company offering the coverage you need at the best possible price we can find.

Why Choose Billyard Insurance Group for Commercial Auto Insurance?

BIG stands out from our competitors for business car insurance for several reasons.

Deep Insurance Network

BIG is connected with more than 30 insurance carriers. Our extensive network allows us to seamlessly tailor business vehicle insurance solutions to align with our customer's specific situations.
We understand that car insurance for business purposes involves accounting for different needs compared to typical car insurance, and working with multiple reputable companies helps us find diverse coverage plans for any company’s situation.

Quick Response

Urgency is everything in commercial auto insurance. In the event of a claim, BIG works quickly to launch the settlement process. We provide rapid and considerate assistance in filing documentation, assessing damages, launching repairs, and remitting payments. 
Our commercial insurance for cars and trucks is designed to swiftly restore your mobile operations, ensuring minimal downtime.

Canadian Ownership

The type of commercial vehicle insurance Canada offers, has many unique challenges and traits that affect insurance premiums and settlement law. BIG knows the ins and outs of commercial auto insurance in Canada. We have detailed knowledge of the regional and provincial variations in law and infrastructure. This enables us to better understand and protect our clients.

If you have more questions about commercial insurance for business vehicles or car insurance for company cars, BIG brokers are ready to help. Contact us to learn more and start your quote today!