Commercial Auto Insurance
What Is Commercial Auto Insurance and Why Do I Need It?
Commercial auto insurance covers vehicles used for business purposes—including pickups, vans, delivery cars, fleet vehicles, and mobile operations.
Personal auto policies do not cover vehicles used for:
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Deliveries
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Transporting tools, materials, or clients
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Rideshare or app-based services
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Contractor and trade work
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Employee transportation
This policy protects your vehicles, drivers, cargo, and liability exposure.
What Is Covered by a Commercial Auto Policy?
Typical commercial auto coverage includes:
Liability coverage (required in Ontario)
Accident benefits and DCPD
Collision and comprehensive
Non-owned or hired auto coverage
Cargo protection or tools/equipment insurance (optional)
Do I Need Commercial Auto Insurance or Personal Insurance?
If the vehicle is owned by your business, or regularly used for work purposes, you need commercial auto insurance. Personal coverage could be void if you’re using a vehicle for business activities.
Does Commercial Auto Insurance Cover Uber or Delivery Work?
Standard commercial auto policies don’t cover rideshare or food delivery automatically.
However, we offer specialized coverage for:
Uber, Lyft, and other ride-hailing platforms
Food delivery (SkipTheDishes, DoorDash, etc.)
Hybrid personal/business use vehicles
How Much Does Commercial Auto Insurance Cost?
Costs vary depending on:
Type and number of vehicles
Business use and mileage
Driver records and claims history
Cargo or equipment carried
Region and parking/storage details
We’ll build a custom quote that meets Ontario’s regulatory requirements and your operational needs.
How Do I Get Commercial Auto Insurance with Diamond Insurance Group?
We make it easy:
Tell us about your vehicles and how you use them
We compare top insurers across Ontario
You choose the best-fit policy and price
Coverage begins as soon as you’re ready
Get a Quote for Commercial Auto Insurance
Drive your business forward—with protection built for the road.