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One or multiple cars, big fleets, or trucks – no matter the kind of wheels your business relies on, you’ll likely need commercial insurance.
You can choose the level of coverage that works for you to ensure your vehicles are protected if ever an incident happens.
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Commercial property
Civil liability
Civil liability coverage protects you if you're responsible for injuring someone or damaging someone else's property. If you’re not at-fault, it also covers damage to your vehicle from a collision.
Optional coverage
Collision or upset
Collision or upset coverage protects your vehicle from damages caused by impact with another vehicle or an object such as a guardrail, or if your car flips over.
All perils other than collision or upset
All perils other than collision or upset coverage protects your vehicle from damages caused by fire, theft, vandalism, hail, flood, and more.
Specific perils
Specific risks coverage protects your vehicle from damages caused event specifically covered by your policy, such as lightening, an explosion or earthquake.
Enhanced coverage
Good record protection
Good record protection guarantees your insurance premium won’t increase at renewal as a result of up to two losses of any kind over a 5-year period. We forgive you not once, but twice, regardless of fault.
Plus, since this protection applies to individual vehicles, it can extend to all employees who drive them.
Roadside assistance
Roadside assistance entitles your business to four service calls per year, per covered vehicle of 4,500 kg or less, from these options:
- Vehicle towing up to 50 kilometres
- Up to 10 litres of fuel delivered at no charge
- Battery boosting
- Door unlocking
- Tire change
- Winching
All of your employees who take the wheel of a covered vehicle can count on assistance services 24 hours a day, 7 days a week should an something go wrong on the road in Canada or the United States. They just have to dial 1 844 428-2020 or go to assistance.intact.ca.
Replacement cost
Replacement cost coverage protects the value of your vehicle if it needs to be replaced because it was stolen or damaged beyond repair. The compensation you will receive will be for the original value of the vehicle, not its depreciated value at the time of the incident.
Solution Program
Is your business not eligible for standard auto insurance coverage?
The Solution Program allows you to insure your company vehicle(s) when you’re not eligible for standard insurance.
This commercial auto insurance program applies to the vehicle(s) or the driver(s), not the policy.
Benefits of the Solution Program
By protecting your company’s vehicles with the Solution Program, you could benefit from valuable products such as:
- Good Record Protection
- Roadside assistance*
Do I need commercial auto insurance?
Auto insurance is mandatory in most regions of Canada. But having an insurance policy doesn’t necessarily mean you have the right coverage. For instance, ...
Made to measure business coverage
Find the insurance solution that fits your business and budget.