Protect Your Fleet with Reliable Fleet Insurance in Ontario
Save time and protect your entire fleet with fast, easy business vehicle insurance quotes from Canada’s top insurers. Compare options and get covered in minutes.
Best Fleet Insurance in Ontario for Your Business
Protect your commercial fleet with customizable insurance policies tailored to your business needs. Levitt Insurance Brokers offers access to top Canadian insurers, helping you get the right coverage while saving money. Trust our experience to keep your fleet safe and your business moving forward with confidence.
Fleet Insurance Features
Customized Coverage for Every Fleet
No two fleets are alike. We tailor insurance policies to fit the size, type, and specific risks of your commercial vehicles, ensuring you only pay for the coverage your business truly needs.
Fast, Competitive Quotes
Get quick and accurate quotes for fleet insurance in Ontario from leading Canadian providers. Our easy process helps you compare rates and find the best coverage at the right price.
Comprehensive Protection and Peace of Mind
From liability to collision and cargo coverage, our fleet insurance options safeguard your vehicles and your business. Stay protected against accidents, theft, and unexpected damages with reliable policies designed for Ontario businesses.
Flexible Coverage for Small Fleets
Running a small fleet? Get affordable insurance that covers your vehicles and drivers without unnecessary extras.
Comprehensive Protection for Large Fleets
Manage a big fleet? We provide customized policies that offer broad coverage and help control your costs as your business grows.
New to Fleet Management? We’ve Got You Covered
Starting your first fleet? We make it easy to get the right insurance so you can focus on running your business confidently.
Drivers of All Experience Levels Welcome
No matter the driver’s background, our fleet insurance options help keep your business protected and compliant.
Claims or Accidents? We’ll Help You Navigate
Past claims don’t have to hold you back. We work with insurers who understand fleet risks and offer competitive rates, even if your history isn’t perfect.
Frequently Asked Questions
What Is Considered a Fleet vehicle?
Fleet vehicles are cars, trucks, vans, buses, or even heavy machinery like cranes and excavators that a company, institution, or government owns or leases for commercial use. These vehicles are usually purchased in bulk and serve various purposes, such as transportation, delivery, service, and construction. Typically, businesses with five or more vehicles qualify for commercial fleet insurance. If your business has fewer vehicles, there are still options to get fleet coverage tailored to your needs.
What Is the Difference Between Fleet and Auto Insurance?
Both fleet insurance and vehicle insurance protect drivers and vehicles from losses caused by accidents or damage. But they serve different needs:
- Number of Vehicles Covered: Fleet insurance covers many vehicles under one policy. Vehicle insurance usually covers just one car at a time.
- Who Buys It: Businesses with a fleet of vehicles get fleet insurance. Individuals or companies with only one or a few vehicles get vehicle insurance.
- Coverage Options: Fleet insurance offers flexible coverage for various vehicle types and uses, while business vehicle insurance plans tend to be more standardized.
- Cost: Fleet insurance premiums depend on how many vehicles you have. Vehicle insurance rates depend on the car, the driver’s record, and where the vehicle is used.
Who Can Drive Under Fleet Insurance?
The drivers covered by fleet insurance depend on the insurance company’s rules. Usually, these are the common requirements:
- Driver’s Age and Experience: Drivers need to be a certain age and have enough driving experience to be covered.
- Driving Record: Insurance looks at driving history. Drivers with accidents or tickets might pay more or not be covered.
- Valid License: Drivers must have a valid license and any special licenses needed (like for trucks).
- Training: Some policies ask drivers to finish safety or training courses before driving.
Businesses should always review their fleet insurance rules and make sure all drivers meet these requirements before getting on the road.
Who is Covered Under Fleet Insurance?
Fleet insurance covers different drivers and vehicles owned or used by a company. Coverage can vary depending on the insurer and policy terms. Common groups covered include:
- Employees: Drivers who are company staff and use company-owned or rented vehicles like cars, trucks, or vans.
- Contract Drivers: Drivers hired temporarily by the company for transport services, covered while working.
- Non-Owned Vehicles: Sometimes, private vehicles used for work can be covered, too.
Businesses should review their business vehicle insurance policy to understand who is covered and ensure all drivers comply with insurance requirements before getting behind the wheel.
How Many Vehicles Can You Add to Fleet Insurance?
The number of vehicles you can add depends on the insurance company and policy rules. Usually, fleet insurance covers multiple vehicles — from a few to hundreds or even thousands.
Most insurers require at least five vehicles to qualify for fleet insurance.
Fleet insurance can save you money compared to insuring each vehicle separately. It also offers flexible coverage for different types of vehicles and usage.
Make sure to review the policy details like coverage limits and fees. You can often adjust your fleet size later, but some insurers may charge a fee for changes.
How Does Fleet Insurance Work in Ontario?
Customized Fleet Insurance Solutions
Every business is unique, which is why we work closely with you to find the best Fleet Insurance in Ontario to protect your vehicles and company. Partnering with top Canadian insurers, we offer affordable, flexible policies tailored to your specific needs.
Here’s what fleet insurance typically covers:
- Third-Party Liability Coverage – Covers costs if you or your driver causes injury or property damage to others. Ontario requires a minimum of $200,000 coverage.
- Uninsured Automobile Coverage – Protects your drivers and vehicles if hit by uninsured or underinsured motorists, covering medical bills, repairs, and lost wages.
- Accident Benefits Coverage – Helps cover lost income, medical care, and rehabilitation for anyone injured, no matter who caused the accident.
- Direct Compensation for Property Damage – Covers damage to your vehicles if another driver is at fault, as long as the accident happened in Ontario.
What influences fleet insurance costs?
Understanding Fleet Insurance Costs
The cost of your fleet insurance depends on factors like:
- Your company’s location and where vehicles are parked
- Past insurance claims your business has had
- The age, gender, and driving experience of your drivers
- How many kilometers your vehicles will travel yearly
- Whether your vehicles will travel outside Ontario or Canada
- The industry your business operates in
- The make, model, year, and value of each vehicle
- The type of goods you transport, if applicable
- Your chosen coverage limits and deductibles
We help you understand all these details and find the best coverage for your fleet.
At Levitt Insurance Brokers Ltd, we help business owners find ideal insurance quickly. Our expert knowledge and advanced tools provide fast, accurate quotes so you can compare and choose coverage without stress or delays.
