Protect the vehicles your business depends on with commercial auto coverage built for Atlantic Canada businesses.
Partnerships With Over 15 leading Canadian Insurance Providers
Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:
What’s Included in Commercial Auto Insurance?
A commercial auto insurance policy in Canada is built on a set of mandatory coverages required by provincial law, with optional protections you can add based on the nature of your business and the vehicles you operate. Here’s what a comprehensive commercial auto policy typically includes:
Third-Party Liability (Mandatory)
Third-Party Liability is the foundation of any auto insurance policy in Canada and is required by law in every province. If you or an employee is at fault in an accident that injures another person or damages their property, this coverage pays for the resulting legal costs, medical expenses, and any damages awarded against you. For commercial vehicles, where the consequences of an at-fault accident can be significant, carrying adequate liability limits is essential and many client contracts and commercial leases specify minimum requirements.
Accident Benefits (Mandatory)
Accident Benefits coverage provides financial support to you, your employees, and passengers in your commercial vehicle if they are injured in an auto accident — regardless of who is at fault. Benefits can include medical and rehabilitation costs, income replacement if an injured party cannot work, and other eligible expenses. In Atlantic Canada, where winter road conditions significantly increase accident risk, accident benefits are a critical protection for any business with drivers on the road.
Uninsured Automobile Coverage (Mandatory)
Uninsured Automobile coverage protects your business if one of your vehicles is damaged or an occupant is injured by an uninsured driver or an unknown driver who commits a hit-and-run. In these situations, where the at-fault party has no insurance and no means to compensate you, this coverage steps in to cover your losses. It’s a mandatory protection that ensures an irresponsible driver’s lack of insurance doesn’t become your business’s financial problem.
Direct Compensation Property Damage (DCPD) (Mandatory)
Covers damage to your insured vehicle when another identified driver is at fault, allowing you to claim through your own insurer rather than pursuing the at-fault driver’s insurer.
Collision Coverage (Optional)
Collision coverage pays for repairing or replacing your commercial vehicle if it is damaged in an accident with another vehicle or a stationary object regardless of who is at fault. Without collision coverage, your business is solely responsible for the cost of repairing or replacing a vehicle damaged in a collision. For businesses where vehicle downtime means lost productivity, this coverage is a practical necessity.
Comprehensive Coverage (Optional)
Comprehensive coverage protects your commercial vehicle against damage that doesn’t involve a collision. In Atlantic Canada, where extreme weather is a year-round reality, comprehensive coverage provides a critical backstop for fleet operators and sole operators alike. If your vehicle is stolen overnight, flooded, or damaged in a hailstorm, comprehensive coverage pays for repair or replacement so your business keeps moving.
All Perils Coverage (Optional)
All Perils coverage is the broadest optional protection available for a commercial vehicle; combining collision and comprehensive coverage into a single policy, and extending protection to include theft of the vehicle by an employee or a member of your household. For businesses with multiple drivers or shared vehicles, All Perils offers the most complete protection available and simplifies the claims process if something goes wrong. It is the recommended option for businesses where vehicles are central to daily operations.
Who Needs Commercial Auto Insurance?
If your vehicle is used primarily for business purposes, or falls outside the business-use permitted under your personal auto policy, you may require commercial auto insurance. A claim filed under a personal policy for a business-related incident can be denied entirely. Munn works with a wide range of Atlantic Canada businesses to find the right commercial vehicle coverage, including:
Already Insured? It Might Be Time for a Second Opinion.
Many Atlantic Canada businesses haven’t revisited their commercial auto coverage since they first added a vehicle to their operation. If your fleet has grown, your drivers have changed, or the nature of your business has shifted, your current policy may no longer reflect your actual exposure.
At Munn, we offer a no-obligation renewal review for commercial auto policyholders.
Our commercial brokers assess your current coverage limits, driver schedules, vehicle use, and premiums against the market to identify whether you’re paying too much, carrying the wrong limits, or missing coverage you didn’t know you needed.
Contact Marcel at [email protected] Or toll free at 1-855-726-8627
Real people.
Our customers love to save.
Frequently Asked Questions about Commercial Auto Insurance
Yes, and this is one of the most common coverage gaps for Atlantic Canada small businesses. If an employee uses their personal vehicle to make a delivery, travel to a client site, or run a work errand, and they are involved in an accident, their personal auto insurer may deny the claim on the basis of business use.
A commercial auto policy in Canada is built on mandatory coverages required by provincial law, with optional protections you can add:
- Third-Party Liability (mandatory): Covers injury, death, or property damage caused to others if you are at fault in an accident.
- Accident Benefits (mandatory): Covers medical, rehabilitation, and income replacement costs for you, your employees, and passengers injured in an accident, regardless of fault.
- Uninsured Automobile (mandatory): Covers vehicle damage and injury caused by an uninsured driver or an unknown hit-and-run driver.
- Direct Compensation Property Damage (DCPD) (Mandatory): Covers damage to your insured vehicle when another identified driver is at fault.
- Collision Coverage (optional): Covers repair or replacement of your vehicle following a collision with another vehicle or a stationary object, regardless of fault.
- Comprehensive Coverage (optional): Covers non-collision damage including theft, vandalism, fire, hailstorms, flooding, and other weather-related events.
- All Perils Coverage (optional): The broadest protection available — combines collision and comprehensive coverage and includes theft of the vehicle by an employee or household member.
The cost of commercial auto insurance varies based on several factors:
- The type, age, and value of the vehicle(s) being insured
- The nature of the business and how vehicles are used
- The driving records of all listed drivers
- Annual kilometres driven and geographic range of operation
- Coverage limits and deductibles selected
- Number of vehicles (fleet policies are often more cost-effective per vehicle)
- Claims history for the business and its drivers
As an independent broker, Munn shops your coverage across 15+ Canadian insurers to find the most competitive rate for your vehicles and your business.
Commercial auto insurance provides coverage for vehicles used for business purposes — cars, trucks, vans, and trailers used to transport tools, equipment, goods, or people on behalf of a business. In Canada, any vehicle used in connection with a business requires a commercial auto policy.
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