We Make Commercial Auto Insurance easy
Running a business in Ontario? Protecting your assets, like your work vehicles, is a must. That’s where commercial auto insurance steps in to keep your business safe and sound. We’ll help you find the right coverage at the right price.
What We Do
We offer you a range of insurance options from different carriers, each with their own prices and coverage, to find the perfect plan for you.
We ensure accuracy - with online insurance calculators, it's easy to make mistakes without even realizing it. This can lead to either overpaying for coverage or being underinsured. When you work with us, you're partnering with trusted professionals you can count on.
We educate you - as licensed brokers, we meet higher standards compared to online insurance tools, banks, or direct writers.
We provide a personal touch - from start to finish, you'll have a single point of contact, a real person who's here for you. No bouncing between multiple customer service reps.
A common misunderstanding is that you'll pay extra due to the brokerage's commission. But that's not the case. We're paid by the insurance companies, not you. And rest assured, we only recommend plans that truly fit your needs.
BENEFITS & MISSION
Why Choose BrokerUnion?
The main differences between the big banks and boutique brokerage firms like us are:
1. More Options
We’re not tied to one insurance company. We shop around to find you the best rates and options.
2. We Work For You
We always act in your best interest, and your privacy is as sacred as a lawyer’s confidentiality agreement. Unlike Insurance companies that offer only their own insurance, we are not obligated to the insurance companies.
3. Experienced Team
We have the expertise to handle any situation, all while
providing the personal touch you deserve. Professionalism and friendliness are
our hallmarks.
4. Personal Relationships
We believe in sitting down and having a real conversation with you. Your situation is unique, and you deserve a tailored
solution.
5. Education
We’re not just brokers; we’re educators. Our goal is to provide you with all the information you need to make informed decisions.
What Sets Us Apart
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage of the Year (in the under 25 brokers category) because we focus on choices, education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
What exactly is Commercial Auto Insurance?
Commercial auto insurance is all about keeping your business wheels turning smoothly. It covers vehicles used for work, whether it’s cars, trucks, vans, or any other wheels your business relies on. Here’s a quick rundown of the main parts:
1. Liability Coverage: Foots the bill for injuries or damages caused by your business vehicle in an accident.
2. Physical Damage Coverage: Takes care of repairs or replacements if your business vehicles are damaged or stolen.
3. Uninsured/Underinsured Motorist Coverage: Your backup plan if you tangle with a driver who’s lacking insurance.
4. Personal Injury Protection (PIP): Chips in for medical bills and lost wages for you and your passengers, no matter who’s at fault.
What Affects Commercial Auto Insurance Premiums?
Several factors influence your commercial auto insurance rates, such as the type of vehicles you use, the number of drivers, and the nature of your business. Keeping a clean driving record and promoting safety within your company can help lower your premiums.
Give us a call and we’ll walk you through the process.
Our Happy Customers
CLIENT'S TESTIMONIAL
What Our Commercial Auto Insurance Clients Say
Had a great experience with BrokerUnion Insurance. They help us find a good coverage for our car insurance as well as make it budget friendly. Mr. Papillon was very helpful and made everything seamless for us. Specially with all the requirements and documents.
Great insurance company, I had a very complicated scenario and Susan helped me a lot, she spent a lot of time to get me the best insurance.
Very honest, and detailed explanation of different insurances.
I had a tight deadline and she helped me through the weekend to have it done, super prompt responses.
QUESTIONS & ANSWERS
Frequently Asked Questions
What is commercial auto insurance, and who needs it?
Commercial auto insurance is coverage designed for businesses that use vehicles for business purposes. It includes vehicles used for deliveries, transporting goods, carrying passengers, or any other business-related driving activities. Any business that uses vehicles for commercial purposes, such as a company-owned fleet or personal vehicles used for business operations, should consider commercial auto insurance.
Are all vehicles used for business purposes covered under commercial auto insurance?
Vehicles used primarily for business purposes, such as delivery trucks, service vans, and company cars, should be covered under commercial auto insurance. Personal vehicles used occasionally for business purposes may need additional coverage options or endorsements to be adequately insured.
How are commercial auto insurance premiums calculated?
Commercial auto insurance premiums are determined based on various factors, including:
– The type of business and the nature of its operations.
– The number and types of vehicles insured.
– Driving records and experience of the drivers.
– The intended use of the vehicles (e.g., transportation, deliveries, passenger transportation).
– The coverage limits and deductibles selected.
Can I use my personal auto insurance for business purposes?
Personal auto insurance typically does not provide coverage for vehicles used for business purposes. If you use your personal vehicle for business activities, you may need to purchase additional coverage or a separate commercial auto insurance policy to protect your business and assets adequately.
Does commercial auto insurance cover employees driving their vehicles for business purposes?
Commercial auto insurance may extend coverage to employees driving their vehicles for business purposes. However, the coverage may depend on the specific policy and the nature of the business’s operations. It’s essential to review the policy terms and consult with your insurance provider to understand the coverage limitations.
Can I add or remove vehicles from my commercial auto insurance policy?
Yes, you can typically add or remove vehicles from your commercial auto insurance policy as needed. It’s essential to notify your insurance provider whenever changes to your business’s vehicle fleet occur to ensure you have adequate coverage at all times.
Does commercial auto insurance cover goods or tools inside the vehicle?
Commercial auto insurance usually does not cover the goods or tools inside the vehicle. For coverage of business property or cargo, you may need to consider additional insurance options, such as commercial property insurance or inland marine insurance.