Helps protect you and your passengers if the at‑fault driver has too little insurance.
From single service vans to full fleets, we'll help you set the right limits, add the right endorsements, and control costs with smart risk management.
Collisions, theft, and injuries can stop deliveries, cancel appointments, and cut revenue. A well‑built policy protects your balance sheet, satisfies lender and contract requirements, and gets vehicles back on the road quickly.
Helps protect you if your vehicle causes injury or property damage to others. Many businesses select $2M or higher; higher limits available via umbrella/excess.
Provides statutory benefits to insured persons injured in an automobile accident, regardless of fault (medical/rehab, income replacement, etc.). Optional increases are available.
Protects against injury/damage caused by an uninsured or unidentified driver (hit‑and‑run), subject to limits.
Covers damage to your vehicle and loss of use when another at‑fault party is insured in Ontario, to the extent you're not at fault.
Helps protect you and your passengers if the at‑fault driver has too little insurance.
Extends certain coverages when driving non‑owned vehicles for personal use (subject to eligibility and wording).
We'll add the finance company or lessor as required and align physical damage terms to the agreement.
Add coverage for owned and certain non‑owned trailers you use in your operations; confirm liability and PD responsibilities in contracts.
Auto policies typically do not cover what you carry. Add Motor Truck Cargo for goods hauled and a Tools & Equipment Floater for your gear.
Many businesses rent vehicles or have employees use their own cars for errands or deliveries.
We'll coordinate auto and liability policies so there are no gaps when staff drive vehicles you don't own.
Usually not. Add a Tools & Equipment floater and, if hauling goods for others, a Cargo policy.
It depends. Your policy can often extend liability to hired vehicles and add physical damage by endorsement. We'll compare costs and gaps with the rental desk coverage.
Many fleets allow it with rules (no personal hauling, secure parking). Tell us where units are kept overnight; it affects theft exposure and rating.
If contracts, cargo, or passenger exposure are significant, an Umbrella/Excess policy can increase limits over both auto and CGL at a reasonable cost.
Our family has been helping Ontario clients since 1982. Let us help you too.
