Fleet Insurance in Ontario
Commercial fleet insurance for businesses operating five or more eligible vehicles across Ontario.
Fleet Insurance for Ontario Businesses
Managing a fleet means keeping your vehicles on the road and your business moving. Fleet insurance brings eligible commercial vehicles together under one policy while accounting for the drivers, vehicle uses and risks behind the business.
Humberview Insurance works with multiple insurers to help Ontario businesses compare fleet insurance options for their operations.
Ontario Fleet Insurance Coverage
| Third-Party Liability | Accident Benefits | Uninsured Automobile |
|---|---|---|
| Liability for injury or property damage arising from the use of insured vehicles | Benefits available after an automobile accident, subject to the coverage purchased | Protection involving certain uninsured or unidentified motorists |
| Direct Compensation Property Damage | Collision or Upset | Comprehensive |
| Vehicle damage in qualifying not-at-fault accidents unless the coverage has been removed | Physical damage to an insured vehicle caused by collision or upset | Certain non-collision losses, including theft, fire and vandalism |
| All Perils | Loss of Use | Waiver of Depreciation |
| Broad physical damage coverage combining collision and comprehensive-type protection | Eligible replacement transportation following an insured loss | Available for qualifying newer vehicles following certain total losses |
Coverage, limits, deductibles and eligibility vary by insurer and policy.
Types of Fleet Vehicles We Insure
| Passenger Vehicles | Light Commercial Vehicles | Trucks and Specialized Vehicles |
|---|---|---|
| Company cars | Pickup trucks | Straight trucks |
| Sales vehicles | Cargo vans | Service trucks |
| Executive vehicles | Contractor vans | Refrigerated vehicles |
| Private passenger vehicles used for business | Delivery vans | Other eligible commercial vehicles |
Eligibility depends on the vehicles, drivers, business operations, operating radius and claims history.
Information Required for a Fleet Insurance Quote
| Business Information | Vehicle Information | Driver and Insurance Information |
|---|---|---|
| Business name and operations | Vehicle identification numbers | Driver names and licence numbers |
| Years in business | Year, make and model | Driver experience and records |
| Business locations | Ownership and purchase details | Previous insurance |
| Description of vehicle use | Annual kilometres | Fleet claims history |
| Typical operating radius | Vehicle values | Requested coverage and deductibles |
Insurers may request additional information depending on the vehicles and operations.
Why Humberview for Fleet Insurance?
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A Broker Who Understands Your Fleet
Work with one licensed broker who understands your vehicles, drivers and operations.
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Multiple Fleet Insurance Markets
We can approach different insurers based on your business and fleet.
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Help Beyond the Initial Quote
We assist with vehicle changes, driver updates, certificates and renewal strategy.
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Independent Since 1982
Serving Ontario businesses for more than 40 years.
Fleet Insurance FAQs
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How many vehicles are required for fleet insurance?
An Ontario fleet generally requires at least five automobiles, with at least five qualifying as commercial vehicles.
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How much does fleet insurance cost?
There is no standard fleet insurance price. Premiums depend on the vehicles, drivers, operations, annual distance, operating radius, claims history, coverage and deductibles.
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Is fleet insurance cheaper than insuring vehicles individually?
Not always. A fleet policy can simplify administration and may provide different rating options, but pricing depends on the business’s complete risk profile and available insurance markets.
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How can a business reduce its fleet insurance costs?
Businesses can improve their fleet risk by screening drivers, reviewing motor vehicle records, maintaining vehicles, documenting training, investigating accidents and monitoring unsafe driving. Results and available discounts vary by insurer.
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Does fleet insurance cover equipment and materials inside vehicles?
Not automatically. Tools, equipment, cargo and materials carried in a vehicle may require commercial property, equipment or cargo coverage.
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Can employees use fleet vehicles personally?
Personal use may be permitted when disclosed to and accepted by the insurer. The business should establish clear rules regarding who can drive and how vehicles may be used.
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How often should I request a fleet experience letter?
Request and retain updated fleet claims-experience information regularly, including before renewal or when considering another insurer. Review the report for missing vehicles, incorrect claims or other errors.
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Are leased vehicles eligible for fleet insurance?
Leased vehicles can generally be included when properly disclosed. The leasing company may require specific physical damage coverage, deductibles and evidence of insurance.
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Is fleet insurance tax deductible?
Commercial automobile insurance may be deductible as a business expense when it relates to earning business income. Confirm the treatment of your particular expenses with your accountant or tax adviser.
Ready for an Ontario Fleet Insurance Quote?
Fleet insurance for commercial vehicles operated by Ontario businesses.
