Finding the right commercial truck insurance for your business is now easier with coverage solutions that suit your needs
Business insurance made simple.
The broker benefit.
Comprehensive Coverage
We got you. Sometimes you just want to talk to another human being about commercial truck insurance prices or special circumstances like commercial truck insurance for new drivers or commercial hazmat truck insurance to ensure all of your ducks are in a row. Give us a call, and we'll take care of you.
Business. Insurance.
We get it.
We're here for you.
Cargo Liability
Collision Coverage
We take the time to listen and understand your business, and offer personalized business solutions. We have access to several commercial truck insurance underwriters and we'll work to ensure you're getting the best bang for your buck.
Khari Gaynor
Vice-President, aha insurance
We've got you covered with commercial truck insurance for owner operators
Commercial truck insurance that's
tailored to suit your needs
Straight Trucks, Cube Trucks & Commercial Box Truck Insurance
Commercial Dump Truck Insurance
Tow Truck Business Insurance
Have Questions?
We've got you covered.
Our licensed commercial truck insurance brokers have the experience and expertise to provide you with the right commercial truck insurance solutions to best protect your investment and your wallet.
Give us a ring.
What is a RIN Number?
A RIN (Registrant Identification Number) allows the Ontario government to match your company to your commercial vehicles. A RIN enables you to register a vehicle for your business and is required to obtain its permit and licence plate as well as commercial truck insurance In Ontario.
You can register a RIN for your company with The Ministry of Transportation by following the RIN creation steps outlined by RIN-Ontario.
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The cargo you transport is extremely valuable to you and your clients. If your truck’s cargo is damaged, stolen, or the delivery of a time-sensitive shipment is delayed, commercial truck cargo insurance will cover the losses. Your freight is protected from events such as accidents, theft and natural disasters from the time it leaves your loading facility to its safe arrival at its final destination.
For the best possible commercial truck driver insurance protection of your vehicles, you'll want both comprehensive and collision coverage. Collision coverage protects your trucks against damage sustained through traffic accidents. In addition to covering accidents with other vehicles, collision insurance also covers run-ins with:
- Trailers attached to vehicles
- Objects on or near the road like potholes, road barriers, trees, street signs, hydro polls, etc.
- A truck colliding with the ground, for example, during a rollover
Liability for damage to vehicles in your care (27B)
OPCF 27B coverage protects you as a business owner when your company rents or borrows commercial vehicles and equipment. If your company uses non-owned vehicles, you can make a claim to receive compensation for damage. An OPCF 27B policy endorsement protects your vehicles when operating in Canada and the United States.
Comprehensive coverage will pay to repair or replace your vehicle if it’s damaged under circumstances that don't involve traffic collisions. Comprehensive coverage protects your commercial vehicles against incidents such as:
- Fire, theft and vandalism
- Natural disasters and weather damage
- Falling objects like trees and other debris during a storm
- Damage caused by animals like a deer or moose
Ice road truckers aren't the only ones who need insurance coverage for environmental hazards.
Finding the right commercial truck insurance for your business is now easier with coverage solutions that suit your needs
Business insurance made simple.
What you'll need to get started.
We've listed a few common business truck insurance coverages below that will help you get prepared in order to move things along smoothly. Of course, if you have any questions just ask - that's what we're here for.
We've got you covered with commercial truck insurance for owner operators
Commercial truck insurance that's tailored to suit your needs
Whether you call them straight trucks, cube trucks, or box trucks, we can back your rolling, hauling investments with a commercial vehicle truck insurance policy that fits your needs.
The broker benefit.
We take the time to listen and understand your business, and offer personalized business solutions.
We have access to several commercial truck insurance underwriters and we'll work to ensure you're getting the best bang for your buck.
Comprehensive Coverage
Cargo Liability
Collision Coverage
The cargo you transport is extremely valuable to you and your clients. If your truck’s cargo is damaged, stolen, or the delivery of a time-sensitive shipment is delayed, commercial truck cargo insurance will cover the losses. Your freight is protected from events such as accidents, theft and natural disasters from the time it leaves your loading facility to its safe arrival at its final destination.
For the best possible commercial truck driver insurance protection of your vehicles, you'll want both comprehensive and collision coverage. Collision coverage protects your trucks against damage sustained through traffic accidents.
In addition to covering accidents with other vehicles, collision insurance also covers run-ins with:
- Trailers attached to vehicles
- Objects on or near the road like potholes, road barriers, trees, street signs, hydro polls, etc.
- A truck colliding with the ground, for example, during a rollover
Commercial Truck Liability Insurance & General Liability
Liability auto insurance is mandatory in Canada; it covers damage to others and their vehicles if one of your drivers gets into an accident.
General Liability insurance is the legal liability limit that an insurer will pay in the event of legal action taken against your company. Standard limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed.
Comprehensive coverage will pay to repair or replace your vehicle if it’s damaged under circumstances that don't involve traffic collisions. Comprehensive coverage protects your commercial vehicles against incidents such as:
- Fire, theft and vandalism
- Natural disasters and weather damage
- Falling objects like trees and other debris
- Damage caused by animals like a deer or moose
Ice road truckers aren't the only ones who need insurance coverage for environmental hazards.
What you'll need to get started.
We've listed a few common business truck insurance coverages below that will help you get prepared in order to move things along smoothly. Of course, if you have any questions just ask - that's what we're here for.
We got you. Sometimes you just want to talk to another human being about commercial truck insurance prices or special circumstances like commercial truck insurance for new drivers or commercial hazmat truck insurance to ensure all of your ducks are in a row. Give us a call, and we'll take care of you.
We're here for you.
Give us a ring.
Have Questions?
We've got you covered.
Our licensed commercial truck insurance brokers have the experience and expertise to provide you with the right commercial truck insurance solutions to best protect your investment and your wallet.
How does liability coverage work?
What is a CVOR? (Commercial Vehicle Operators Record)
Do I need a CVOR?
What is a RIN Number?
Am I covered for out of province deliveries?
Business.
Insurance.
We get it.
Khari Gaynor
Vice-President, aha insurance
You need to obtain a Commercial Vehicle Operator's Registration certificate if your vehicle was plated in Ontario, the United States, or Mexico and fits into at least one of these categories:
- All types of tow trucks.
- Busses that can seat at least 10 passengers
- Trucks with a gross or registered gross weight that exceeds 4,500 kg (9921 lbs).
Busses and trucks leased for moving personal property or transporting passengers without compensation, don’t require a COVR. Other vehicles are excluded from requiring CVR, including motor homes, non-commercial pickup trucks, hearses, and emergency vehicles.
If your vehicle was plated in Canada but outside of Ontario, you need to obtain a safety certificate from the province or territory in which it was registered.
Do I need a CVOR?
Commercial truck liability insurance coverage protects you if legal action is taken against your business if something goes wrong. Even if your business isn't at fault, your liability insurance covers the financial cost of whatever reparations or legal discussions take place to make things right.
You can generally expect to find these kinds of protection on a liability insurance policy:
- Physical injury lawsuits.
- Property damage claims.
- Financial loss due to errors or omissions made while providing services.
- Financial losses that arise from failure to fulfill a contract. For example, if a delayed shipment causes your client to lose income.
There are two types of commercial liability coverage. General liability insurance protects your business from claims involving accidents that caused physical injuries to a third party. Whereas, professional liability insurance covers third-party claims of financial losses.
Keep in mind that these protections are for third party liability claims, which means claims made by people who are not your employees.
How does liability coverage work?
Great question. A Commercial Vehicle Operators Record is similar to an Ontario Driver’s Abstract, except it reflects your company’s driving history rather than an individual’s driving record. Your Commercial Vehicle Operators Record is evaluated based on three indicators of safety performance: collision records, conviction records, and roadside inspection results. This information will play a role in determining your commercial truck insurance rates.
What is a CVOR? (Commercial Vehicle Operators Record)
Toot toot!
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You could be eligible for multi-policy discounts when you insure your commercial property and purchase business truck insurance solutions.
More policies.
More savings.
Don't just take our word for it that we're committed to customer satisfaction. Go ahead, ask Google.
More savings.
You could be eligible for multi-policy discounts when you insure your commercial property and purchase business truck insurance solutions.
More policies.
"Our company mission from day one has been to change the way insurance is experienced. We've made no exception when it comes to business insurance. We wanted it to be easy to access, provide simple steps on how to apply, and clearly explain coverages to our clients in a way that can be understood."
"Our company mission from day one has been to change the way insurance is experienced. We've made no exception when it comes to business insurance. We wanted it to be easy to access, provide simple steps on how to apply, and clearly explain coverages to our clients in a way that can be understood."
Don't just take our word for it. Ask Google.
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Aditya P.
"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends"
—
Alexander A.
"Affordable and easy cay insurance with great customer service. Would recommend to anyone."
—
Tausif S.
"Great service, patient and informative representatives, full marks"
—
Viraj M.
"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."
—
Mark R.
"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"
—
Alaina H.
"Had the smoothest insurance experience ever, it was quick, easy and I had my insurance set up in minutes."
—
Nicole M.
"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"
—
Kathleen G.
"Best insurance by far."
—
Christina L.
"I am so happy to find a company like this to insure my first car...Amazingly quick customer service and great prices. 100% suggest them!!!"
—
Petra B.
"Excellent service and cheapest price I have ever got."
—
Ratheesh T.
"Excellent!...progressive!...no more pen and paper...ALL ONLINE"
—
Van J.
"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."
—
Gavin M.
Am I covered for out of province deliveries?
Yes, we can cover your vehicles with commercial truck insurance - Toronto to Thunder Bay, B.C. and Beyond. However, the amount of time your trucks spend outside of Ontario can correspond with the need to pay higher average commercial truck insurance rates, particularly for your commercial truck cargo insurance. The farther your precious cargo travels, the higher the potential that 'bumps in the road' could keep it from reaching its destination.
Both Ontario commercial truck insurance and regular auto insurance policies cover vehicles travelling anywhere within Canada and the United States (excluding Hawaii). Therefore, you can expect your comprehensive and collision coverage to follow you out of the province.
Whether you call them straight trucks, cube trucks, or box trucks - we can back your rolling, hauling investments with a commercial vehicle truck insurance policy that fits your needs.
When your heavy-duty trucks do the heavy lifting on construction sites and roads, we have insurance solutions for you.
When you work to recover other people’s vehicles safely, your business needs protection from unique risks.
Liability auto insurance is mandatory in Canada; it covers damage to others and their vehicles if one of your drivers gets into an accident. General Liability insurance is the legal liability limit that an insurer will pay in the event of legal action taken against your company. Standard limits are $1 million-$2 million, but we can provide coverage up to $10 million if needed.
Commercial Truck liability Insurance & General Liability
Straight, Cube & Box Trucks
Commercial Dump Truck Insurance
When your heavy duty trucks do the heavy lifting on construction sites and roads, we have insurance solutions for you.
When you work to recover other people’s vehicles safely, your business needs protection from unique risks.
Tow Truck Business Insurance
Liability for damage to vehicles in your care (27B)
OPCF 27B coverage protects you as a business owner when your company rents or borrows commercial vehicles and equipment. If your company uses non-owned vehicles, you can make a claim to receive compensation for damage. An OPCF 27B policy endorsement protects your vehicles when operating in Canada and the United States.
