Commercial Auto Insurance

Get the best commercial auto insurance rates from Canada's most trusted insurance companies! Speak to Filip Ambroziak at (416) 803-2113 or email

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Commercial Car Insurance Quote

Do I Need Commercial Auto Insurance?

Commercial Auto Insurance is designed for business owners and contractors who rely on their vehicles for business.

If you drive to clients, carry commercial equipment or supplies in your vehicle or tow a trailer for business, than you require commercial auto insurance.

If you are using your personal auto policy for commercial purposes, your claim may be declined and your policy could be cancelled.

Ambroziak & Rao Insurance Brokers has been working with businesses and contractors all around the Greater Toronto Areas. Our office is located at the heart of Mississauga on Dundas St W and Parkerhill Rd. 

For a quick commercial auto insurance quote, please call Filip Ambroziak at (416) 803 – 2113 or email him directly at


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Commercial Auto Insurance Questions

Can I use my commercial vehicle personally?

Although a commercial auto insurance policy is intended for commercial use, we do understand that sometimes you may need to use it for personal use. You may use it personally as well however that should not be your primary use.

How many vehicles are required to form a fleet insurance policy?

A commercial fleet policy offers the same coverage as a regular commercial auto insurance policy but it is for clients who have 5 or more vehicles. By pairing multiple commercial vehicles together, you can qualify for better pricing. In some cases, a driver’s record may not be ideal. We will work to create solutions for your vehicles and drivers.

Is commercial auto insurance more expensive then personal auto insurance?

As mentioned earlier, there are many rating factors that affect the premium of a commercial auto policy. There really is no exact answer to this question and the best thing to do is to get a quote. Unofficially, from previous experience, we can say that at this moment, commercial auto insurance is generally cheaper than personal auto insurance. 

Can I get commercial auto insurance with a bad record?

Having a bad driving record is never a good thing and you should do your best to keep it clean. But we all have bad years and life happens. Luckily we can still accept high risk commercial auto drivers. Please let us know that you have a bad record and we will find the right company for you.  

How are Commercial Vehicles Rated?

Commercial auto insurance uses a complex rating strategy developed by years of actuarial expertise and is heavily regulated by government organizations.

Commercial auto insurance uses many of the same rating factors that personal auto insurance use to determine your premium. These include: Address, years licensed,  model of your vehicle, accidents, tickets and past insurance cancellations

The key differences are that your commercial auto policy will also rate you on the type of business you are in and how far from your address you travel. If you drive hundreds of kilometers a day, you may pay more compared to a more local vehicle use. Some vehicles are also considered “heavy use” and may require a little more work to insure. For the majority of commercial use vehicles, a policy can be made quickly and for an excellent price.

Commercial Auto Insurance Tips


With a personal auto policy, if you ask for full coverage, in many cases you will also get rental car coverage which is called OPCF27. With a commercial policy, if you want rental car coverage, be sure to specify you would like 27a as that is different. 27a will give you a rental car coverage which you can use for your business purposes.

Increase Liability Coverage

In today’s litigious times, people are suing for more than ever. If you are involved in an accident on the road which leads to an injury or even death of a party, almost surely your company will be sued. Lawyers will asses your assets and based on that, they may sue you for more than your policy covers (1 million in liability coverage is most common). For this reason, we advise at least $2,000,000 coverage as the price difference is minimal in most cases.

Combine with a Commercial General Liability Policy

If you are the owner of the business, it is also recommended to pair a CGL (Commercial General Liability) policy along with your commercial auto insurance. A commercial auto policy covers your vehicle while on the road. Once you park the car and begin working on your project, you will have no liability coverage. Pairing a CGL policy with a commercial auto policy may also qualify you for further discounts.

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