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Commercial Auto & Fleet Insurance

From single vehicles to large commercial fleets — we cover the vehicles your business depends on.

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Commercial Auto & Fleet Insurance in Ontario

If your business relies on vehicles to deliver goods, transport employees, or carry equipment, commercial auto insurance is essential. Personal auto policies do not cover vehicles used for business purposes — and a gap in coverage can leave your business exposed to significant financial risk.

CrownRidge provides commercial vehicle and fleet insurance for companies across Ontario, with scalable policies that grow with your fleet.

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Important

Using a personal auto policy for business purposes can void your coverage entirely. If you're using any vehicle for work — even occasionally — you need a commercial auto policy to stay properly protected.

What's Covered

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Collision Coverage

Pays for repair or replacement of your vehicle after an at-fault collision.

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Comprehensive Coverage

Covers non-collision events like theft, vandalism, fire, and weather damage.

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Third-Party Liability

Protection against claims from third parties injured or whose property was damaged.

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Accident Benefits

Medical and income replacement coverage for drivers injured in an accident.

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Fleet Management

Single-policy fleet coverage with flexible add-ons for large multi-vehicle operations.

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Cargo & Load Coverage

Optional coverage for goods being transported in your commercial vehicles.

Who Needs Commercial Auto & Fleet Insurance?

Delivery companies
Trades & contractors
Courier services
Sales teams with company cars
Landscaping & snow removal fleets
Any business with company vehicles

Frequently Asked Questions

What's the difference between personal and commercial auto insurance?+
Commercial auto covers vehicles used primarily for business purposes. It typically includes higher liability limits, covers multiple drivers, and can be structured for fleets of any size.
Can I insure a mix of vehicle types on one policy?+
Yes — fleet policies can cover a mix of trucks, vans, cars, and specialty vehicles under a single policy for easier management and potential cost savings.
Does commercial auto cover cargo?+
Standard commercial auto policies cover the vehicle itself. Cargo coverage is an optional add-on that protects the goods you're transporting — we recommend it for any delivery or distribution operation.

Questions About Your Coverage?

Our licensed brokers are ready to help you find the right fit.