{"id":14894,"date":"2023-03-29T11:06:53","date_gmt":"2023-03-29T15:06:53","guid":{"rendered":"https:\/\/multi-risques.com\/assurances\/commercial-vehicle\/"},"modified":"2026-04-22T17:04:22","modified_gmt":"2026-04-22T21:04:22","slug":"commercial-vehicle","status":"publish","type":"page","link":"https:\/\/multi-risques.com\/en\/business\/products-and-solutions-business\/commercial-vehicle\/","title":{"rendered":"Commercial vehicle"},"content":{"rendered":"\n
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Other business services<\/a><\/div>\n\n

Commercial vehicle<\/h1>\n\n\n

Keeping things moving!<\/p>\n\n\n\n

The operation of your commercial vehicles is essential to your activities. Whether you have a single commercial vehicle or an entire fleet, no matter what kind, our brokers can help you find protection that holds the road. <\/p>\n\n\n\n

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What is commercial vehicle insurance?<\/h2>\n\n\n\n

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\u2019s commercial activities.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Why ?<\/strong><\/p>\n\n\n\n

Because when you use one or more vehicles commercially, they are generally on the road more often, thus posing a higher risk of an accident or claim. Hence the importance of taking out separate insurance! <\/p>\n<\/article>\n<\/div>\n<\/div>\n<\/section>\n\n

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What does commercial vehicle insurance cover?<\/h2>\n\n\n\n

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).<\/p>\n<\/header>\n<\/div>\n\n\n\n

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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\u2014depending on the chosen coverage, of course. <\/p>\n\n\n\n

As a matter of fact, a car insurance policy for your company can include various types of coverage:<\/p>\n\n\n

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Civil liability<\/h3>\n\n<\/div>\n\t
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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. <\/p>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n

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All risks<\/h3>\n\n<\/div>\n\t
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Comprehensive coverage includes accidents without collision or rollover, as well as collisions and rollovers. This is the most comprehensive coverage of all. <\/p>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n

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Collision or upset (impact with a vehicle)<\/h3>\n\n<\/div>\n\t
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As the name suggests, this coverage insures you in the event of a collision with another vehicle or in the event of an upset. With this coverage, the cost of repairing and replacing your vehicle due to property damage (based on the value on the day of the loss) will be covered. This coverage applies if you collide with another car, with the ground, with an object on the ground or if your vehicle is overturned. <\/p>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n

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Comprehensive incidents<\/h3>\n\n<\/div>\n\t
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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. <\/p>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n

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Optional protections<\/h3>\n\n<\/div>\n\t
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Based on your unique needs, you can also add additional coverage to your policy:<\/p>\n\n\n\n