From a single vehicle to a fleet of service vans or trucks, the right insurance coverage depends on your industry, the number of vehicles you have, how you use those vehicles and who is driving them.
PIB can tailor the right coverage for your commercial automobiles.
Business Auto Insurance Solutions
Auto Insurance
If you're using your vehicle even occasionally for business and don’t have the right coverage, your Personal Auto policy may deny the claim, leaving you with financial risk. Commercial Auto policies offer higher coverage limits than personal policies and vary based on the type of vehicle and use case.
There are many scenarios in which you would likely need Commercial Auto Insurance, including your vehicle is registered to a business, you have employees who drive the vehicle, you use the vehicle for work-related tasks, and more.
Let PIB do the work for you. Our team assesses your specific requirements to deliver a tailored insurance solution for your business. We evaluate your needs and provide you a personalized solution for your business.
Fleet Insurance
If you have multiple vehicles registered or leased in your company name, you need a cost-effective, streamlined way to manage your risk and coverage. By bundling your vehicles into one policy, you have a flexible, scalable solution and one easy premium and renewal date for administration purposes.
Fleet Insurance simplifies your coverage for liability, collision, comprehensive, accident benefits and other coverage options.
Contact PIB to discuss the Fleet Advantage.
Garage Auto Insurance
Standard Commercial Auto policies cover your business-owned vehicles, but if your business is responsible for vehicles you don’t own — auto repair shops, car dealerships, valet services, to name a few — you need Garage Auto Insurance. It ensures you’re covered for liability and property damage while vehicles are in your care.
There are several factors to consider before determining the best fit for your business, plus optional coverage depending on the nature of your operations.
Let PIB do the work for you and customize the right protection for your business.
Related Commercial Insurance options
Let’s protect and grow your business — together
Together we can build a customized protection and investment plan so you can reach your goals with confidence.
FAQs
Do I need Commercial Auto Insurance?
If you use a vehicle for business purposes in Canada, then yes, you likely need Commercial Auto Insurance, even if you already have personal coverage. Even if you’re self-employed or a sole proprietor, using your personal car for business can void your personal policy if you don’t disclose it.
What is Fleet Insurance?
Fleet Insurance is a Commercial Auto Insurance that covers multiple business vehicles under one policy. It offers less paperwork, easier renewals, flexible coverage and cost savings from bundling vehicles.
How many vehicles do you need for Fleet Insurance?
Most insurance carriers offer Fleet Insurance when you have five or more vehicles used for business. Some insurers may offer Fleet policies for fewer vehicles, but five is standard.
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