Fleet Insurance
Your company’s vehicles are more than just a way to get from point A to point B; they’re an essential part of how your business operates and earns revenue. Whether you manage five sedans, a dozen delivery vans or a mix of service trucks, each vehicle carries the risk of accidents, damage, theft, and costly liability claims. Without the right coverage, a single incident could disrupt operations, harm your reputation, and impact your bottom line.
At KASE Insurance, we provide tailored fleet insurance in Ontario that protects your business vehicles, their drivers, and operations, so you can stay focused on growing your company, not managing avoidable risks.
What is Fleet Insurance?
Fleet insurance is a single insurance policy that covers multiple vehicles owned or leased by a business under one contract. In Ontario, businesses must operate five or more vehicles to qualify for commercial fleet insurance. These can include cars, vans, trucks, or specialty vehicles used for business purposes.
Unlike personal auto insurance or commercial auto policies, fleet insurance allows you to manage coverage for all your vehicles under one plan. This simplifies administration, offers better flexibility, and often reduces costs, especially for growing businesses.
Even if you operate a small business and fall short of the five-vehicle threshold, KASE Insurance can help you explore bundling options or alternatives, including adding principal-owned vehicles to meet requirements. Contact our team to discuss your options!
Why is Commercial Fleet Insurance Important?
A commercial fleet insurance policy safeguards your company from financial losses caused by vehicle accidents, damage, or liability claims. It enables the continuity, safety and financial stability of your entire operation.
Financial Protection
Fleet insurance covers repair, replacement, and liability costs after an accident involving your company’s vehicles. It can reduce fleet premiums compared to insuring vehicles individually.
Cost Efficiency
One renewal date, one point of contact, and one business insurance premium—fleet insurance streamlines administration.
Flexible and Scalable
Whether you’re adding new drivers or replacing vehicles, a fleet insurance policy can easily be updated as your business grows.
Regulatory Compliance
Meet Ontario’s minimum auto insurance requirements for commercial vehicle operations.
What Does Business Fleet Insurance Cover?
Business fleet insurance provides coverage similar to commercial auto insurance, but with broader management capabilities across multiple vehicles. Depending on the policy, coverage may include:
- Third-party Liability Coverage: Covers third-party injury or property damage to others caused by your fleet vehicles.
- Collision Coverage: Pays for repairs or replacement if your vehicle is damaged in a crash.
- Comprehensive Coverage: Protects against theft, vandalism, fire, and weather-related damage.
- Uninsured Driver Coverage: Pays damages if your company vehicle is hit by an uninsured driver.
- Accident Benefits: Pays for medical expenses, rehabilitation, and income replacement for injured drivers or passengers.
Keep in mind, coverage depends on your policy. Our brokers will guide you through optional additional coverage, such as roadside assistance or cargo protection, based on your business model.
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Complete Coverage Options for Fleet Businesses
Commercial fleet insurance coverage is essential, but it’s just one piece of a complete protection plan. Businesses that rely on vehicles to operate face risks wherever they are, such as in the office or at the job site. To ensure your business is fully protected, fleet coverage should be paired with other key commercial insurance policies.
Commercial General Liability Insurance
Protect your business from third-party injury or property damage not related to vehicle use. Whether a customer trips during a service appointment or your team accidentally damages a client’s property while on-site, CGL insurance helps cover legal fees, medical costs, and settlement expenses.
Cargo Insurance
If your fleet transports goods, cargo insurance is essential. It protects the value of your cargo, whether you’re delivering client inventory or moving high-value tools and equipment.
Non-Owned Auto Insurance
Covers liability when employees drive personal vehicles for business purposes, extending protection beyond your business vehicles.
Cyber Liability Insurance
Protects against data breaches, ransomware, and cyberattacks targeting GPS tracking, scheduling, or payment systems.
Professional Liability Insurance
While often associated with consultants or advisors, professional liability insurance also benefits trucking businesses that offer dispatching, freight brokering, or logistics planning. It covers claims tied to errors, omissions, or professional negligence.
Business Interruption Insurance
While not specific to vehicles, business interruption coverage is an important complement to fleet insurance. If your operations halt due to a covered event, such as a fire, flood, or equipment failure, this insurance helps cover lost income and ongoing expenses during downtime.
At KASE Insurance, we take a holistic view of your risk profile. Our brokers will help you determine which business insurance aligns with your operations, ensuring your vehicles, employees, and assets are protected from every angle.
Who Needs Auto Fleet Insurance?
Auto fleet insurance isn’t only for logistics companies or trucking operations. Any business operating multiple commercial auto vehicles for work purposes should consider fleet coverage to reduce risk and consolidate protection.
From courier companies to last-mile delivery operators, businesses moving goods across the GTA and beyond depend on vehicle availability. Commercial truck fleet insurance ensures consistent coverage across all delivery routes.
Protect fleets used for public works, repairs, and maintenance, such as plumbing, construction, HVAC, electrical, pest control, and other in-home or on-site services.
Taxi services, limo companies, and non-emergency medical transport businesses are responsible for passenger safety. A well-structured taxi fleet insurance policy helps meet regulatory and safety requirements.
Construction companies often operate pickup trucks, trailers, and utility vans to move crews and materials between job sites. Fleet coverage simplifies asset protection.
Local governments and nonprofits with vehicle fleets for outreach rely on mini fleet insurance for budget stability and risk control.
Why Choose KASE Insurance for Fleet Insurance Ontario
As one of Ontario’s top commercial insurance brokers, KASE Insurance delivers more than just policies—we build fleet insurance programs that protect your operations, reduce costs, and keep your drivers on the road.
Our fleet insurance brokers work with business owners across Ontario to design fleet insurance policies that match their risk profile, operating size, and growth plans. We know no two fleets are the same, which is why we ensure your fleet insurance coverage is customized, scalable, and competitively priced, providing commercial fleet insurance cost that works within your budget.
As an independent brokerage, we partner with multiple top-rated insurers, giving you unbiased advice, transparent pricing, and the flexibility to choose the insurance provider that fits your needs.
Ready to protect your vehicles and your bottom line? Get a free fleet insurance quote today, and let’s build the right commercial auto policy for your business.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars