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Commercial Auto Insurance
The Safety Net For Your Wheels
Protect your business vehicles with coverage built for how you work. Whether you operate one company vehicle or manage multiple drivers, our commercial auto insurance solutions help safeguard your business, your employees, and your bottom line.
Western Financial Group is an award-winning brokerage. Our business insurance experts will get you customized commercial auto insurance for your business vehicles.
Our insurance expertise will benefit your business
We are skilled insurance shoppers. We work with Canada’s leading insurance partners to get you customized commercial auto coverage at the right value for your business.
Why You Need Commercial Auto Insurance
If you rely on a vehicle to generate income, you need commercial auto protection.
Personal auto insurance usually doesn’t cover business use. If you have an accident while meeting a client, making a delivery, or carrying work equipment, your claim could be denied. Commercial auto insurance provides higher liability limits to better protect your business from large financial losses. It can also cover employees, tools, and business cargo, helping keep your operations protected and uninterrupted.
Who Needs Commercial Auto Insurance?
- Contractors and trades professionals
- Delivery and courier services
- Real estate professionals
- Retail and service businesses
- Construction companies
- Sales representatives
- Transportation and logistics companies
Commercial Auto vs. Fleet Insurance
If you operate multiple vehicles, you may qualify for fleet insurance.
Commercial Auto
- Designed for 1–4 vehicles
- Individually rated vehicles
- Ideal for small businesses
- Standard policy structure
Fleet Insurance
- Designed for 5+ vehicles
- Group-rated vehicles
- Ideal for larger operations
- Fleet management
How Much Does Commercial Auto Insurance Cost?
Your premium depends on factors such as:
- Type of vehicle
- How the vehicle is used
- Driving history
- Industry risk level
- Location and province
- Number of drivers
What Does Commercial Auto Insurance Cover?
Third-Party Liability: Protection if your business vehicle causes injury or property damage.
Collision Coverage: Covers damage to your vehicle following an accident.
Comprehensive Coverage: Protection against theft, vandalism, fire, and weather damage.
Accident Benefits: Medical and income protection for drivers and passengers.
Uninsured Motorist Protection: Coverage if you’re involved in an accident with an uninsured driver.
Commercial auto coverage extensions you can add:
- Cargo Coverage
- Hired and non-owned auto coverage
- Fleet insurance 5+ vehicles
Why Choose Western
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
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Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
FAQ's About Commercial Auto Insurance
Is commercial auto insurance mandatory in Canada?
Yes. Any vehicle used for business purposes requires proper commercial coverage.
Can I use personal auto insurance for business use?
Generally, no. Personal auto policies often exclude business-related activities.
Can I add drivers to my policy?
Yes, additional drivers can typically be added based on underwriting approval.
How quickly can I get coverage?
In many cases, coverage can be arranged quickly once required details are provided.
Can I use my commercial vehicle for personal use?
In many cases, limited personal use can be included under a commercial auto policy. However, coverage details vary depending on the insurer and how the vehicle is primarily used
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