Commercial vehicle
Pour que ça roule!
Le fonctionnement de vos véhicules commerciaux est essentiel à vos activités. Que vous ayez un seul véhicule à usage commercial, un camion de livraison ou toute une flotte, nos courtiers peuvent vous aider à trouver des protections qui tiennent la route.
What is commercial vehicle insurance?
Often confused with personal car insurance, commercial vehicle insurance provides financial compensation in the event of an accident or damage to vehicles of all kinds (cars, trucks, delivery vans, heavy or light utility vehicles, etc.) used for a company’s commercial activities.
As such, it is important to note that many personal car insurance policies do not cover civil liability and material losses if a vehicle is used for commercial purposes.
Pourquoi?
Parce que lorsque vous faites une utilisation commerciale d’un ou de plusieurs véhicules, ceux-ci sont généralement plus présents sur la route et présentent donc un risque plus élevé d’accident et de réclamation. D’où l’importance de souscrire à une assurance distincte!
Que couvre l’assurance véhicule commercial?
This type of insurance can cover all types of vehicles used for commercial activities, from personal cars to delivery trucks and tool vehicles (such as power shovels).
Know that this type of insurance is associated with vehicles, not people. In other words, if a driver (and one or more passengers) causes or is a victim of an accident with a company vehicle, they will be covered by commercial vehicle insurance—depending on the chosen coverage, of course.
As a matter of fact, a car insurance policy for your company can include various types of coverage:
Civil liability
This component covers property damage and bodily harm caused by the driver. As with your personal vehicle, you must have a minimum of $50,000 in civil liability insurance in Quebec.
All risks
Comprehensive coverage includes accidents without collision or rollover, as well as collisions and rollovers. This is the most comprehensive coverage of all.
Collision or upset (impact with a vehicle)
Comme son nom l’indique, cette protection assure votre véhicule commercial en cas de collision avec un autre véhicule, le sol ou un objet, ainsi qu’en cas de renversement. Elle couvre les coûts de réparation et les coûts de remplacement en cas de dommages matériels (basé sur la valeur le jour du sinistre).
Comprehensive incidents
This type of coverage insures your vehicle for loss or damage that is not caused by a collision with another vehicle. What types of accidents are we talking about? eft or attempted theft, vandalism, damage caused by falling trees or objects, damage caused by an animal (including a collision with a deer) and damage caused by lightning, high winds, rising water, earthquakes or fires.
Optional protections
Based on your unique needs, you can also add additional coverage to your policy:
- Vehicle rental insurance;
- Personal insurance;
- New or replacement value insurance;
- Civil liability for vehicles not owned by the insured;
- Any other coverage tailored to your company (depending on availability from insurance companies).
Comment souscrire à une assurance véhicule commercial?
The best way to be sure that you have the right coverage is to talk with an expert in the field, like our 100% independent insurance brokers.
They can conduct an in-depth analysis of the reality of your business, advise you on the required coverage, and work with insurance companies to find the right insurance for you, at the best possible price.
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When is this vehicle insurance
necessary?
The need to purchase commercial vehicle insurance is largely determined by these three factors:
Use of the vehicle
This is the most important factor to consider!
If the vehicle(s) you own or lease help you or an employee perform a work-related task such as visiting customers, transporting goods, or making deliveries, commercial vehicle insurance is likely required.
However, if the vehicle is used for commercial purposes only sporadically, without involving deliveries, then it may not be necessary.
Vehicle type
Vehicles that are used for commercial purposes and can cause more damage or be more expensive to repair or replace, such as heavy trucks, generally require broader commercial insurance coverage.
Vehicle owner
Unless there is an exception, a vehicle that belongs to a company usually requires commercial insurance, whereas if you are the sole owner of the vehicle, personal insurance may be enough.
Quels secteurs d’activité sont couverts par l’assurance véhicule commercial?
Many lines of business are eligible for commercial coverage. Among the most common are:
- Service businesses
- Land surveyors, horticulturists, pool installers, architect-engineers, etc.
- Contractors
- Manufacturers and wholesalers
- Contractors working in welding, plumbing, renovation or other fields
- Transportation of people
- Taxi, carpooling and limousine services
- Transportation of goods and materials
- Snow removal and transportation, cement mixers, steel and metal transportation, etc.
- Delivery
- Delivery of meals, flowers, water, beer, bread, materials or goods (such as furniture)
Need insurance for your business?
We can help you.
Let our brokers find you the right coverage for your company’s needs.