Managing a fleet of commercial vehicles in Canada requires specialized insurance that goes well beyond standard auto coverage. Whether you operate delivery vans, transport trucks, service vehicles, or construction equipment, commercial fleet insurance provides tailored protection for your vehicles, drivers, and cargo. Fleet policies can be structured to cover multiple vehicles under a single policy, simplifying administration and often reducing per-vehicle costs. Factors such as vehicle types, driver qualifications, routes, and cargo all influence your premiums. An experienced commercial broker can design a fleet program that balances comprehensive protection with cost efficiency.
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Commercial fleet insurance covers multiple business vehicles under a single policy. Instead of insuring each vehicle individually, a fleet policy bundles coverage for all your commercial vehicles, which can include cars, vans, trucks, and specialized equipment. Fleet policies typically require a minimum of five to ten vehicles, depending on the insurer, and offer administrative simplicity along with potential volume discounts.
A comprehensive fleet policy typically includes third-party liability, accident benefits, collision coverage, comprehensive coverage (theft, vandalism, weather), cargo insurance, and sometimes downtime coverage for when vehicles are being repaired. Endorsements are available for specialized needs such as hazardous materials transport, refrigerated cargo, or cross-border operations into the United States.
Fleet premiums are based on several factors: the number and types of vehicles, their use (local delivery vs. long-haul), annual kilometres driven, driver qualifications and experience, claims history, cargo type and value, and where the fleet operates. Fleets with strong safety records, driver training programs, and telematics systems often qualify for significant discounts.
Yes. Most commercial fleet policies can cover a mix of vehicle types, including passenger cars, cargo vans, straight trucks, tractor-trailers, and specialized vehicles. Each vehicle type will be rated individually within the fleet policy based on its specific risk profile, but all are managed under a single policy for administrative convenience.
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