Commercial Vehicle Insurance

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*