Commercial Auto Insurance in Ontario
If you own a car, truck, or other vehicle that is designated for commercial use, it is important to cover your vehicle against loss or damages.
If your vehicle breaks down or gets into an accident, it can lead to costly repairs, legal action, or a major interruption to your normal business operations.
Whether you are an independent operator or you own a large fleet of vehicles, our team can provide the commercial auto coverage that you need to stay protected. At Jeffery & Spence, our commercial insurance offers protection from a wide range of risks, with a policy tailored to fit your specific requirements.
Our brokers will start by meeting with you to discuss the specific details of your business, so we can select the appropriate type of coverage for your commercial vehicles. Your coverage will depend on the use, range, and type of vehicles owned by your business. We’ll work to find you cost-effective insurance plans so you can receive the most value at the lowest cost.
Our Years of Expertise
Since 1927, the team at Jeffery & Spence Insurance Brokers have provided quality commercial auto insurance services to a variety of businesses in Guelph and across Ontario. Our professional brokers will provide you with expert advice and guidance, and will locate the right coverage for your business.
Who Needs Commercial Auto Insurance?
Any business with a commercial-use vehicle needs to hold a commercial auto insurance policy. Similar to personal auto insurance, a commercial auto insurance policy will provide coverage for your vehicles whether they’re out on the road or parked in your garage.
You will typically need coverage if you use a vehicle for one of the following:
- Construction
- Deliveries
- Sales Meetings
- Transportation
- And more
If you are not sure about whether your vehicle requires commercial auto insurance, get in touch with our team and we’ll be able to advise you.

What Type of Coverage Is Available for Commercial Auto Insurance?
Commercial auto insurance offers a number of coverage options, similar to personal auto insurance policy, including:
- Accident benefits coverage
- Bodily injury liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Property damage liability coverage
- Uninsured and underinsured motorist coverage
Our team can provide more information on these various types of coverage and the situations where they may be required.
Any business with five or more vehicles will also need to consider fleet insurance. Fleet insurance offers more custom coverage options, than your typical commercial auto policy, in order to accommodate the needs of a fleet of commercial vehicles.
Contact the insurance experts at Jeffery & Spence today to discuss your options.