Business Use for Vehicles

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Ensure the safety of your business with Auto Insurance, granted with permission for business use.

Don’t risk your livelihood by using your vehicle for business without proper insurance coverage. Update your policy to protect yourself and your assets while on the road.

Click on one of the below topics to unpack your Auto Insurance:


Business Permission

You may not need a commercial auto policy, but at the same time, a personal auto policy might leave you exposed if a claim occurs. Some examples of when you might need business use permission:

  • Own a contracting business
  • Meet with clients outside your office or out of town
  • Deliver merchandise to customers
  • Are a courier or transport truck driver

*Please note the above is not a complete list.


Deductible Options

Lower your deductible
Pay a little extra monthly to lower your $700 deductible if you have a claim.

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details, but some examples are:

  • Fire, lightning and theft
  • Wildlife Collision

Loss of Use Coverage

If you cannot drive your car due to an accident or if the vehicle was stolen, you may be able to get coverage from your car insurance company. Your rental vehicle will also be insured under your policy automatically as a temporary substitute vehicle.

Lastly, if you choose to rent a vehicle for whatever purpose, however it’s damaged during the course you have it, you can apply loss of use to cover downtime charges set by the rental company.



Personal Liability

If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit. We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

Do you work for a company requesting you add additional liability to your vehicle to meet their requirements? You can purchase a liability-only policy for the vehicle in this case.

Replacement Cost

If you have a brand-new vehicle, you may be interested in finding out about replacement coverage or repair cost coverage. This can help protect your vehicle from depreciation in the event of a total or partial loss.

If you’re looking for Replacement Coverage for a slightly older vehicle, ask one of our advisors about Optiom Pro to see if you qualify.


Loan Protection

Have you obtained financing for your car? Our Loan Protection coverage is designed to cater to individual needs rather than following a generic approach. By tailoring our policies, we ensure that you receive superior coverage and enjoy premiums that are significantly lower (approximately 30-50% less) compared to conventional Creditor Insurance options.

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Protect your business and get the best rate.

Your vehicle is not just a means of transportation—it’s also a valuable tool for your business. Whether carrying clients, tools, or merchandise, ensure you have the right coverage to protect yourself and your assets. We offer a variety of insurance markets, such as SGI Canada (SGI), Sandbox Mutual (SMI), to Portage Mutual, to help you find the best coverage to fit your needs and keep your business running smoothly on the go.

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Don’t assume your basic plate insurance is enough.

When using your vehicle for work, your organization may require a liability limit higher than the $200,000 your plate registration includes. But even if there is no set requirement, your basic plate insurance may not be enough to protect you if you have clients, merchandise, samples, tools, or equipment for work in your vehicle. Update your insurance to allow business use and ensure you’re fully covered while on the job.

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Save money and get the best rate for your Business.

Don’t compromise on protecting your business. Our team of experts has access to over 80+ insurance markets, ensuring we can help you secure the perfect coverage that suits your unique needs. We specialize in maximizing the effectiveness of insurance by connecting you with the right products at the most competitive prices possible.

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Don’t let your business suffer due to an unforeseen event. Protect yourself and your assets with the right insurance coverage.

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