Why Get Commercial Auto Insurance? Commercial auto insurance is a mandatory coverage for businesses that require the use of an automobile for their business. Get Free QuoteCommercial Auto Insurance Claims Examples Bodily InjuryIncident: While driving to make an inventory delivery, your employed driver accidentally hits a pedestrian in a company vehicle. The pedestrian files a lawsuit for injuries suffered totaling $500,000 Result: The commercial automobile takes effect and covers the legal defense and damages. Property DamageIncident: While going to a jobsite, your vehicle slips on black ice while going downhill and collides with a nearby home. The homeowner suffers damages to his house and seeks out damages totaling $150,000. Result: The homeowner sues you for the damage to his property and your commercial auto policy covers the legal fees and damages via the third party liability coverage. Loss or Damage to AutomobilesIncident: During a routine test drive the employee of your auto repair garage is involved in an accident in a customer’s vehicle. Your customer returns to find out that his vehicle is damage while under your care, custody and control and seeks for damages to his vehicle totaling $30,000. Result: Your commercial garage automobile policy covers the cost of repair to your customer’s vehicle while in your care, custody, and control. Get Free QuoteGet Free QuoteCommercial Auto Insurance, Explained What is commercial auto insurance?Commercial auto insurance: provides coverage for third party bodily injury and property damaged resulting from the use of an insured automobile. covers compensatory damages, legal defense costs optional coverages can include the cost of repair to your vehicle, cost of a rental vehicle while your vehicle is being repaired due to an insurable loss, certain accident benefits to persons who suffer injury due to an accident. What does commercial auto insurance cover? Bodily Injury – covers medical expense and legal fees associated with injuries to a third party due to the use of an automobile Property Damage – covers legal fees and damage to property belonging to a third party due to the use of an automobile Loss or damage to your automobile as a result of collision or other perils Accident benefits such as income replacement or medical, rehabilitation and attendant care as a result of injuries suffered in an accident or loss. Who needs commercial auto insurance? Any and all businesses that own a vehicle used for commercial/business purposes Contractors, janitorial services, hospitality (pickup of stock or food delivery), auto garages, etc. What is not covered by commercial auto insurance? Financial damages as a result of your professional services Intentional criminal acts Business interruption Standard automobile maintenance Full List of Industry Insurance Types Contractor’s InsuranceHospitality InsuranceAccountant’s InsuranceHealth and Fitness InsuranceProfessional Office InsuranceWhy Choose Pacific Insurance? Our staff are trained Registered Insurance Brokers of Ontario (RIBO) which is the self-regulatory body for insurance brokers in Ontario. We have been regularly featured in the media as insurance experts and asked to speak at events like the ‘CRV Radio International’. 1 on 1 Service Speak directly with an expert instead of dealing with a faceless call centre. 40+ Years in Business We provide the results of a large agency while giving you the agility and service level of a boutique agency Fluent in Many Languages Speak to our brokers in English, Cantonese, Mandarin, French, Korean, or Hebrew. Get Free QuoteGet Free QuotePartnerships with over 50 leading Canadian insurance providers Pacific Insurance Reviews I was having trouble insuring my Muskoka cottage because my primary location was in the United States. I contacted Pacific Insurance and they were able to save me over 30% on my premium and get my cottage insured properly on very short notice.– Dimitri BToronto, ONHome InsuranceI have been with Pacific Insurance for over 27 years and we have a longstanding relationship. They always stay up to date with my family’s insurance needs and keep me informed.– Eva LMarkham, ONLife Insurance Pacific Insurance is amazing! Their service to get my home Insurance set up was extremely quick and efficient! Samantha helped me out and was very sweet. I highly recommend going to them for a no stress experience!– Chanakya UToronto, ONHome InsuranceWe’ve been using Pacific Insurance for years. They provide insurance for all our locations. They’re really great to deal with, even when we leave things to the last minute and need them to finalize same day coverage. Great people!– Natalie GToronto, ONOffice InsuranceFound Pacific Insurance searching for car insurance. I called in and spoke with Alice. She was very polite and knowledgeable. She provided me with professional advice on what types of coverages would best fit for me. I would highly recommend this brokerage. It was a pleasure to deal with their team. – Alex PToronto, ONAuto Insurance Get a Free Quote Today We simplify the process of getting insurance so that you get the coverage you need, quick and easy! Our friendly support team is always ready to answer questions, we’re just a click or a phone call away. 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