Keep your business moving with insurance designed for commercial vehicles, drivers, and fleets. From service vans to delivery trucks, your vehicles are essential to running your business. Regal Insurance helps protect them with customized commercial auto insurance from Canada’s top providers. Whether you operate a single vehicle or a large fleet, we’ll help you compare quotes and secure the right coverage—fast, easy, and all in one place.
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Your business vehicles deserve more than standard auto coverage. At Regal Insurance, we specialize in commercial auto policies that protect not just your vehicles, but your drivers, passengers, and the goods you transport.
Whether you’re insuring one vehicle or managing a fleet, our team is here to help—from quote to claim. Reach out today for your free commercial auto insurance quote.
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Protects your business against third-party injury, property damage, and legal claims—an essential layer for any operation.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you own a storefront, office, or warehouse, we offer coverage that keeps your building, contents, and operations protected.
Tailored protection for trades like construction, plumbing, electrical, roofing, and more—including tools, liability, and job site coverage.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business property, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation commercial property insurance quote today!
Commercial auto insurance protects your business from financial loss when vehicles are damaged, stolen, or involved in an accident. It also provides liability coverage if your drivers cause injury or property damage—helping safeguard not only your vehicles, but also your business’s reputation and bottom line.
Protects against the cost of third-party bodily injury and property damage caused by your business vehicles. This is the core coverage every Ontario business with vehicles must carry.
Provides medical care, rehabilitation services, and income replacement for drivers or passengers injured in an accident—ensuring your team receives the support they need to recover.
Pays for repairs or the replacement value of your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
Protects against non-collision risks such as theft, vandalism, fire, falling objects, or severe weather damage—critical protection for vehicles parked on job sites, streets, or lots.
Insures the goods and materials your vehicles transport against theft, loss, or damage in transit.
Covers the cost of a rental while your business vehicle is in the shop after a covered accident, so your operations don’t stall.
Covers the difference between your vehicle’s depreciated value and the outstanding loan balance if it’s written off after a major accident.
Provides financial compensation if your business suffers downtime because a vehicle is out of service—helping cover replacement or alternative transportation costs.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Keeping premiums affordable while maintaining strong protection is possible. At Regal Insurance, we help Ontario businesses reduce their costs with proven strategies:
Combine commercial auto with property, liability, or other business policies to unlock multi-policy savings.
Claims history and traffic violations directly impact premiums. Safer drivers = lower costs.
Monitor driver habits and vehicle usage. Insurers often reward safe driving behavior with discounts.
Higher deductibles typically mean lower premiums. We’ll help you find the right balance between monthly cost and financial risk.
Your operations, assets, and risk profile change over time. Reviewing your policy annually ensures you’re not overpaying for outdated or excessive coverage.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
Commercial auto insurance protects your business vehicles, drivers, and cargo against a wide range of risks. This includes coverage for:
Standard commercial auto policies don’t always include add-ons like non-owned auto coverage or loss of use unless specifically added. Normal wear and tear or intentional damage are excluded.
Yes. Ontario law requires all vehicles on the road — including those used for business — to carry auto insurance. For commercial use, however, the minimum coverage required by law may not be enough to protect your business adequately. In addition, many contracts, leases, or client agreements mandate proof of sufficient commercial auto insurance before work can begin. Beyond legal compliance, carrying this insurance is critical to shield your business from the high costs of accidents or claims.
Any business that owns, leases, or operates vehicles for work purposes should consider commercial auto insurance. This includes:
Even if you use your personal car for business purposes, personal auto insurance may not cover work-related claims. Commercial coverage provides the proper protection.”
Premiums vary based on vehicle type, number of vehicles, how they’re used, driver history, and coverage limits. A small business insuring one or two vans may pay a few hundred dollars annually, while companies operating fleets can expect significantly higher costs.
Several key factors influence the cost of your commercial auto insurance:
Yes. Several strategies can help lower your premiums:
Working with a broker ensures your policy is optimized for cost savings while maintaining essential coverage.
Commercial auto insurance is designed specifically for vehicles used in business operations. It covers higher liability risks, multiple drivers, cargo, and specialized equipment that personal policies usually exclude.
Personal auto insurance only applies to private use, like commuting or family trips. If you use your personal car for work purposes — such as deliveries, transporting clients, or carrying tools — personal coverage may deny claims. In these cases, commercial auto insurance is essential to ensure your vehicle and business are properly protected.
Yes. Many insurers allow businesses to bundle commercial auto with other coverages such as:
Bundling these policies under a single insurer often simplifies management and provides premium savings.
Absolutely. Regal Insurance Brokers has been serving Ontario businesses since 1984, offering tailored solutions for contractors, freelancers, startups, and growing companies alike. Whether you operate a single service van, a rideshare vehicle, or a full delivery fleet, our brokers understand the unique challenges small businesses face. We customize coverage to ensure your vehicles, drivers, and operations are protected against common risks.
Yes. Regal Insurance takes a proactive approach to supporting clients long-term. Our brokers provide ongoing policy management, including annual reviews, adjustments as you add or retire vehicles, and guidance through the claims process. As your business grows, we make sure your insurance keeps pace, so you always have the right coverage at the best possible rate.
Yes. Regal Insurance Brokers is fully licensed in Ontario. All of our brokers are regulated under the Registered Insurance Brokers of Ontario (RIBO) program and maintain ongoing education to provide expert, compliant service.
Absolutely. Regal Insurance offers personalized service through our brokers, available via phone, email, or in-person consultations
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