Fleet Insurance
Fleet insurance covers all of your company's vehicles
Western Financial Group is a renowned brokerage firm. Our fleet insurance experts will get the right coverage for you, so all of your company's vehicles are covered under one policy.
Get the best coverage for business fleet
We are expert insurance shoppers. We work with Canada’s leading insurance partners to get you the right fleet insurance for your business vehicles at the right value for you.
What is a fleet?
A fleet is 5 or more vehicles that are registered and/or leased to a single business owner or company.
Did you know that your personal car insurance doesn’t cover your business?
If your business uses a car, truck, SUV, trailer, or van, you need commercial auto insurance.
Buying commercial car insurance is an essential part of running your small business.
Learn more about commercial auto insurance.
What insurance is needed for a fleet?
Third-party liability
It’s required by law and covers damage or injury caused to others by your company vehicle. It does not cover injury or damage to you or your vehicle.
Uninsured driver coverage
This type of insurance protects you in case an employee who is driving your company vehicle is injured or killed by a hit and run or uninsured driver who is determined to be at fault for the accident.
Accident benefits
Accident benefits coverage is mandatory and covers medical expenses, loss of income, and funeral expenses resulting from a collision involving your employee and a company vehicle.
Collision
Collision insurance covers damage to your vehicle caused by a collision. It does not cover legal or medical expenses or damage caused by something other than a collision.
Comprehensive
It covers other types of damage, such as fire, hail, theft, and vandalism.
Why Choose Western?
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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.
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Over $9M donated since 2001 to strengthen communities.
Did you know?
All employees who drive a company car/truck must be listed on the company fleet insurance policy or a claim could be denied.
Fleet insurance is typically cheaper than having individual policies on each of your company’s vehicles.
Depending on the size of your fleet, you could save a substantial amount on your insurance premium. Ask about a fleet insurance discount.
FAQ's
What is Fleet Insurance in Canada?
Fleet insurance is a commercial auto insurance policy that covers multiple vehicles owned or leased by a business under one plan. It simplifies management and may offer cost savings compared to insuring each vehicle separately.
What qualifies as a fleet in Canada?
Typically, 2 to 5 vehicles is the minimum to qualify as a fleet, depending on the insurer. Larger fleets (10+) often get more flexible terms and deeper discounts.
Are all drivers covered under fleet insurance?
Yes, but it depends on how the policy is structured. Named driver policy: Only listed drivers are covered. Any authorized driver policy: Any employee with permission to drive is covered (more flexible but may be costlier). You must ensure that all drivers have valid licenses and clean driving records where possible.
Do I need fleet insurance if I only use vehicles occasionally?
If your vehicles are regularly used for business, you still need commercial coverage, even if usage is light or seasonal. Personal auto insurance does not cover business use in most cases. If only one or two vehicles are used, you may consider commercial auto insurance instead of a full fleet policy.
What happens if an employee causes an accident?
If the employee was operating a company vehicle within the scope of work, the fleet insurance policy covers the damages, up to policy limits. Repeated incidents may affect your premiums.
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