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Commercial vehicle insurance you can count on


Whether you’re a mechanic who test-drives customer vehicles after you finish repairs or a business owner with company vehicles, we’re behind every wheel too. Our coverage extends to everything from a single delivery van to an entire fleet — in Canada and across the border.

Things we can cover

  • 1 to 5 business vehicles
  • Operations that travel in the U.S.
  • Excess auto liability
  • Fleets (> 5 business vehicles)
  • Repair & replacement of business vehicles due to damage
  • Garage operations, and more…

Talk to a broker to learn more

Keeping you safe and sound

Protecting your business is our business — before and after a claim.

Our Risk Services team can help you identify hazards and avoid accidents and losses before they happen.

Included in our complimentary loss-prevention program:

  • On-site analysis of fleet safety, driver and vehicle management, collision prevention, crime prevention, and government compliance
  • Training seminars, prevention tools, and tip sheets
  • Analysis of claims and accident trends

Ask your broker about our no-cost consultations

Why choose Economical?

Your satisfaction is our top priority, and it’s guaranteed. With a specialized team of more than 600 claims professionals on your side, you’re sure to get the service you deserve — 24 hours a day.

Learn about our service guarantee



We consider several factors when determining your commercial vehicle insurance premiums, including:

  • How many claims you’ve submitted in the past
  • Information about you (e.g., how long you’ve been a licensed driver)
  • Traffic violations (e.g., speeding tickets)
  • Information about your vehicle

A deductible is the amount that you agree to pay (out of pocket) for claims-related expenses before your insurance company pays for the remaining costs.

Let’s say you have an accident and the total approved cost to repair those damages is $5,000. If you chose a $500 deductible when you purchased your policy, you would need to pay for the first $500 worth of expenses, and Economical would cover the remaining $4,500.

Tip: Choosing a higher deductible will lower your insurance premium. Just be prepared to pay for any costs up to that deductible amount when you need to make a claim.

Very few business uses are covered under a standard personal car insurance policy. On the flip side, your commercial vehicle policy can cover your personal use of the vehicle.

Here are just a few common examples where a commercial policy is needed:

  • Transporting merchandise or goods or, in the case of a contractor, tools and materials (e.g., plumbers, electricians, landscapers, etc.)
  • Delivering items to a store or customer’s home (e.g., dairy distributors, mail deliveries, etc.)

Your broker can help you understand your commercial insurance options, so you can choose the coverage that’s just right for your needs.

If you have at least 5 vehicles (excluding trailers) used for commercial purposes, you may qualify to be rated as a fleet. A fleet rating is a special way of rating all your vehicles as one group. We look at how your company uses its vehicles as well as the claims each vehicle has had as a whole to determine your premium — safer vehicles can mean more savings for you. Ask your broker if a fleet rating is right for your business.

We recommend reviewing your policy at least once a year, but there are certain times when you’ll need to contact your broker to officially update it:

  • When your address has changed
  • Any time you buy another vehicle
  • When there’s an additional licensed driver with access to drive your vehicle(s)
  • If you’ve changed how you use your vehicle (e.g., for business)