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Oracle RMS Insurance

Commercial Auto & Fleet Insurance

Commercial Insurance — Oracle RMS Insurance

Commercial Auto & Fleet Insurance

Insure your company vehicles, delivery vans, trucks, and fleets with coverage designed for business use across Canada.

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Commercial auto and fleet insurance provides liability and physical damage coverage for vehicles used in the course of your business. Personal auto policies exclude business use, so any vehicle used to transport goods, carry employees, visit clients, or perform services requires a commercial auto policy. Fleet programs offer consolidated coverage and pricing for businesses operating multiple vehicles.

Who needs this coverage?

Any business that owns, leases, or regularly uses vehicles for commercial purposes needs commercial auto insurance. This includes contractors, delivery companies, transportation firms, tradespeople, sales teams, healthcare providers, and any business with a company vehicle.

Key coverages

  • Third-party liability (mandatory)
  • Accident benefits (mandatory)
  • Collision coverage
  • Comprehensive coverage (fire, theft, weather)
  • Uninsured motorist protection
  • Non-owned vehicle liability
  • Hired vehicle coverage
  • Fleet blanket coverage
  • Loss of use / rental reimbursement
  • Cargo and contents in transit

Frequently Asked Questions

Why can't I use my personal auto policy for business driving?
Personal auto policies exclude regular business use. If you are involved in an accident while using your vehicle for commercial purposes and you only have personal coverage, your insurer may deny the claim. A commercial auto policy is required for any vehicle used in the course of business.
What is a fleet policy and when does it make sense?
A fleet policy covers multiple vehicles under a single policy with one renewal date and consolidated billing. It typically becomes cost-effective at three or more vehicles and simplifies administration significantly.
Does commercial auto cover employees driving their own vehicles for work?
Non-owned vehicle liability coverage extends your commercial auto policy to cover your business's liability when employees use their personal vehicles for company business. It does not cover damage to the employee's own vehicle.
How are commercial auto premiums calculated?
Premiums are based on the type and use of vehicle, driver records, annual kilometres, cargo type, territory of operation, and claims history. Fleet programs may also be experience-rated based on your loss history.
Is cargo covered under a commercial auto policy?
Standard commercial auto policies cover the vehicle but not the cargo inside it. Cargo in transit requires a separate inland marine or cargo policy, which can often be packaged with your commercial auto coverage.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.