Commercial Auto Insurance
In Ontario

Insurance coverage to keep your business moving

Commercial vehicle insurance solutions for your business needs

Your business needs vehicles to help keep you and your products moving. Whatever type of business vehicle you have – from utility van, pick-up or delivery truck, to a hauler – whether it’s a single unit or a fleet of vehicles, we offer solutions to meet your needs for commercial auto insurance.

Auto insurance for your business VEHICLES

Competitive auto insurance coverage for non-fleet vehicles for more flexibility to enhance coverage.

Auto insurance for your fleet vehicles

If your business has more than five vehicles, fleet auto insurance may provide more competitive pricing than an individual auto insurance policy.

Protect your business and your customers through garage auto insurance

Standard auto insurance coverage for the vehicles you own, plus liability coverage when your customers’ vehicles are in your possession.

Mandatory car insurance coverage in Ontario

You need auto insurance to drive a vehicle in Ontario. The standard automobile insurance policy covers:

Third Party Legal Liability

Coverage for legal costs for a lawsuit if you injure someone or damage someone’s property as a result of an accident.

Accident Benefits

Coverage to help you recover from injuries as a result of a motor vehicle accident, regardless of who was at-fault.

Direct Compensation Property Damage

Coverage for damage to your vehicle where you were not at-fault. It also covers the costs of a rental vehicle.

Uninsured Motorist

Coverage for damage to your vehicle and your injuries if you were in an accident caused by an uninsured or hit-and-run driver.

Optional Add-ons for Enhanced Coverage in Ontario

Enhance, add, or modify your Ontario auto insurance policy to fit your needs.

Collision or Upset

Coverage for damage to your vehicle if you hit another vehicle or object, or if you’re the victim of a hit and run.

Comprehensive

Combines Specified Perils coverage and damage caused by flying objects or vandalism.

All Perils

Combines Collision or Upset and Comprehensive, plus theft by a person who lives in your home.

Specified Perils

Coverage for damage to your vehicle caused by specific perils such as fire, lightning, theft, hail, and more.

Optional Accident Benefits

Increased standard accident benefits coverage for your additional protection.

Increased third party legal liability

Up to $5 million coverage available to increase your liability coverage.

Blanket coverage for fleets

Helps make it easier for you to manage your fleet of 15 or more vehicles by lessening the number of times you need to report changes to drivers and vehicles to us.

Rental Vehicle

Helps pay for the cost of a rental vehicle up to a specified limit if your vehicle is being repaired or replaced after a covered claim.

Removing Depreciation Deduction

If you have a brand new vehicle, this coverage removes the depreciation in the event of a total loss within a defined period so that you can replace your vehicle with a like make and model.

Your insurance broker can provide you with valuable advice

Contact your insurance broker to get a quote or to learn more about our business insurance solutions.

Car insurance in Ontario

With Gore Mutual, you get:

Protection to keep your business moving

Standard auto insurance for commercial vehicles with add-on options for more coverage.

The backing of a financially strong modern mutual

Built on a foundation of financial strength for more than 180 years, we are one of Canada’s first property and casualty insurers.

Exceptional claims service

Dedicated and knowledgeable claim advisors to help you through a claim.

Involved in an accident?

We have some helpful information to guide you through a motor vehicle incident.

For our broker partners

Get to know more about our commercial auto offering.

This product brochure has been developed for and is for exclusive use by licensed insurance brokers with a Gore Mutual Insurance Company distribution agreement. Interested customers should contact their insurance broker for further product information.

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions. Please contact your insurance broker for complete details or if you would like to learn more.