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commercial Automotive Insurance

Commercial Automotive Insurance is Precise Protection for Commercial Businesses on the Move

For businesses that rely on vehicles, risk is always in motion. Whether you manage a single delivery van or an entire fleet, the right commercial automotive insurance isn’t just about compliance—it’s about protecting your operations, assets, and bottom line from the unexpected. Accidents, damage, theft, or liability claims can disrupt business in an instant. Without the right coverage, one incident can become a major financial setback.

Strategic. Seamless. Built for performance. Ferrari & Associates provides more than coverage—we provide certainty in an uncertain world. Let’s build a policy that moves with you.

Keeping Your Business Moving, No Matter What Happens

Risk is unpredictable. Protection shouldn’t be

Operating commercial vehicles for your business comes with multiple risks, from accidents involving company-owned vehicles to liability claims for injuries or property damage caused during operations. Commercial Automotive Insurance provides comprehensive protection, ensuring your business stays on the road without the worry of financial losses from unforeseen incidents.

Commercial General
Liability Insurance

This type of insurance is intended to cover bodily injury and property damage that your business may be responsible for if one of your vehicles is involved in an accident.

General Liability Insurance is the most critical part of commercial automotive insurance.

For example, if your delivery van accidentally collides with another vehicle, liability coverage could cover the cost of repairs and medical expenses for the other party.

Fleet
Insurance

This type of insurance is intended to cover businesses operating five or more vehicles under a single policy, offering protection against accidents, theft, vandalism, and liability claims affecting the fleet.

Fleet Insurance is essential for companies managing multiple commercial vehicles, ensuring streamlined coverage and reducing administrative hassle.

For example, a trucking company’s fleet suffers damage during a severe storm, requiring multiple vehicle repairs before operations can resume.

Non-Owned & Hired
Automotive Insurance

This type of insurance is intended to cover vehicles rented, leased, or used by employees for business purposes, ,providing liability protection against damages and accidents.

Non-Owned & Hired Auto Insuranceemployee-driven or temporary vehicles for transportation, ensuring coverage even when cars are not owned by the company.

For example, an employee driving their personal vehicle for a work-related task hits a pedestrian, leading to medical and legal expenses.

Truck Cargo
Insurance

This type of insurance is intended to cover freight, inventory, and transported goods from damage, theft, or loss during transit.

Motor Truck Cargo Insurance is essential for businesses that transport valuable goods, ensuring financial recovery in case of damage or loss.

For example, a truck carrying auto parts overturns, resulting in a total loss of inventory and potential financial strain on the business.

Ride-Share Automotive
Insurance

This type of insurance is intended to cover vehicles used for ride-sharing services like Uber and Lyft.

Ride-Share Automotive Insurance is essential for drivers who use their personal vehicles for commercial purposes, ensuring coverage beyond standard personal auto policies, which often exclude ride-sharing activities.

For example, a ride-share driver gets into an accident while transporting a passenger, leading to vehicle damage and medical expenses that may not be covered by a personal auto policy.

Business Interruption
Insurance

This type of insurance is intended to cover lost income and operating expenses if the shop is forced to close due to fire, natural disaster, or a covered event.

Business Interruption Insurance is essential for ensuring that auto repair shops can continue to pay rent, employee wages, and other costs even when business operations are temporarily halted.

For example, a major storm damages the roof, forcing the shop to close for two weeks, leading to significant revenue loss.

Our business insurance solutions provide coverage for business owners and those who drive for a living.

Commercial automotive insurance

Business Cases

Businesses rely on vehicles for various purposes—transporting goods, delivering services, or, for some, even as a mobile office. Accidents or damages to these vehicles can result in significant financial losses, not just from repairs or replacements but also from potential legal liabilities. Commercial auto insurance provides coverage that personal auto insurance policies simply do not. Our insurance experts ensure your business is protected from these risks.

Small Business with a Delivery Van

A local bakery uses a delivery van to transport baked goods to customers around the GTA. One day, the van is involved in a minor accident while en route to a delivery in Mississauga. With commercial auto insurance, the bakery’s policy covers the repair costs and any liability for damages to the other vehicle. This coverage ensures the bakery can continue its deliveries without significant financial disruption.

Construction Company with a Fleet of Trucks

A construction company has a fleet of trucks that transport materials to various job sites. One of the trucks is vandalized over the weekend, resulting in significant damage. The company’s commercial auto insurance policy includes, which pays for the repairs, minimizing downtime and keeping projects on schedule.

Driving School

A service station in Edmonton offers both fuel and vehicle maintenance services. One of the employees accidentally spills oil on the garage floor, and a customer slips and falls, resulting in serious injury. The station’s garage liability insurance covers the customer’s medical expenses and any legal fees, protecting the business from a potential lawsuit.

*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989

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Insurance for Your Business

commercial Automotive Insurance