Fleet Insurance
One policy for all your vehicles. Simplified management, cost savings, and automatic coverage for new vehicles added to your fleet.
For general guidance only. Contact your broker or call us to review your specific coverage needs.
Important: Ontario Auto Insurance Changes Coming July 1, 2026
Why Choose a Fleet Policy?
Lower Premiums
Fleet policies often cost less per vehicle than insuring each one individually.
One Renewal Date
All vehicles on a single policy with one renewal -- no more tracking multiple expiry dates.
Automatic New Vehicle Coverage
Newly purchased vehicles are automatically covered under your blanket fleet endorsement.
Centralized Driver Management
Add or remove drivers across your fleet easily with one policy change.
Flexible Coverage Levels
Different coverage for different vehicles -- full coverage on newer trucks, liability only on older ones.
Less Paperwork
One policy, one bill, one certificate of insurance for your entire fleet.
Fleet Coverage Types
Third-Party Liability
MandatoryMandatory coverage for bodily injury or property damage caused to others. Required on every vehicle in the fleet.
Accident Benefits
MandatoryCovers medical expenses, income replacement, and rehabilitation for you and your employees regardless of fault.
Direct Compensation - Property Damage
MandatoryCovers damage to your vehicle and its contents when another driver is at fault (Ontario).
Collision Coverage
OptionalPays to repair or replace your fleet vehicles after a collision, regardless of fault. Especially important for newer or high-value vehicles.
Comprehensive Coverage
OptionalCovers theft, vandalism, fire, weather damage, and other non-collision incidents. Recommended for vehicles parked at job sites overnight.
Fleet Blanket Endorsement
Fleet SpecificAutomatically covers newly acquired vehicles for a set period (usually 14-30 days) without needing to call your broker first.
Hired Auto / Non-Owned Auto
OptionalCovers vehicles rented or borrowed for business use, or employee-owned vehicles used for company work.
Who Needs Fleet Insurance?
If your business operates 3 or more vehicles, you likely qualify for a fleet policy. Common industries include:
Fleet Insurance FAQs
Get Your Fleet Quote
Let us compare rates from 10+ insurers and find the best fleet pricing for your business.
416-628-1962What to Have Ready for a Quote
- Business legal name & address
- Number of vehicles in the fleet
- Year, make, model & VIN for each vehicle
- Primary use for each vehicle (delivery, service calls, hauling, etc.)
- List of all drivers with licence numbers
- Driver abstracts (3-year history)
- Current policy details (if renewing or switching)
- Loss history for the past 5 years
Disclose All Drivers
All employees who operate fleet vehicles must be listed on your policy. Undisclosed drivers can result in denied claims and policy cancellation. If you have high employee turnover, ask your broker about a general driver permission endorsement.
Fleet Minimum Requirements
- Minimum 3 vehicles (some insurers accept 2)
- Vehicles registered to the same business
- Active business with a valid HST/BN number
- All drivers must hold valid Ontario licences
- Clean driver abstracts preferred
Did You Know?
Commercial auto policies have a 1.3% service fee for monthly payments.
Pay your fleet policy in full to avoid financing charges across your entire fleet.
Why Use a Broker for Fleet?
- We compare fleet rates from 10+ insurers
- Structure coverage to balance cost and risk
- Handle additions and removals as your fleet changes
- Advocate for you during claims
- One point of contact for your entire fleet
Our Trusted Insurance Partners
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