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.

Request a Commercial Auto Insurance quote today.

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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.

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
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Ali SIDO
Ali SIDO
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20

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.