Any Questions?
1 (800) 516-6276
Car hoods in a lot

Individually Rated Auto Insurance


Do you own a business where multiple vehicles are registered under the company name? If this is the case, two forms of insurance coverage are available to you: Individually rated commercial auto insurance, and fleet insurance.

Get A Quote

Savings offer! Bundle your commercial policies to save more on your premiums.

Get a Bundled Quote
Woman with plants in trunk

Individually rated commercial auto insurance is very similar to personal automobile coverage where vehicles are rated based on specific risk factors like accident history, and the age of the vehicle. Customers best suited for this type of policy include contractors, wholesale deliverers, distributors, manufacturers and service technicians.

Conversely, fleet insurance is a policy where five or more vehicles are registered under a company name. In terms of pricing, unlike individually rated commercial auto insurance, fleet insurance quotes are based on loss ratio, geography, light & heavy commercial use, and certain other unique factors.

With years of experience in the commercial auto sector, the Regal Insurance sales team will work closely with you to determine which policy suits your business best. If you have vehicles registered to your company, speak with a Regal Insurance broker today and give your business the protection it needs.

Several vans parked together

Multi-Car Insurance

Today, most households require multi-car insurance. Families with children of driving age may need to insure multiple vehicles. Rather than getting a quote or purchasing coverage for each car individually, multi-car insurance offers a discounted rate to protect all of the vehicles that you use each day. Once our Regal Insurance experts know the age and history of the drivers in your household, as well as the vehicles that you are looking to insure, we will get you the best rate on the market.

Mini Fleet Insurance

If you own a small business that uses multiple vehicles as part of regular operations, mini fleet insurance is a cost-effective option that you will want to consider. Mini fleet insurance can cover a wide spectrum of vehicle types. It also gives you the option to insure ‘any driver’ and get the vehicles rated as a single risk that is spread across your portfolio. This makes renewal dates and payments easier to manage. When quoting this product, a Regal Insurance broker will look at factors like the purpose of your fleet, geographical considerations and mileage, and will tailor a policy to suit your needs.

Get your individually rated auto insurance quote today!


Connect 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!

    * Required FieldsThis site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Manage Your Insurance Without the Hassle

    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.

    Our independent claims specialists 
are here to help

    Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.

    Make a Claim

    Online payments 
are quick, easy and secure

    Pay your premium with confidence using our secure online payment system.

    Make a Payment

    Access your insurance documents anytime, anywhere

    Log in to view, download, or print your policy documents whenever you need them.

    View My Documents

    Our team members are here to serve you, online or in-person

    Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.

    Get in Touch
    Optional icon

    Other Commercial Auto Insurance Products From Regal Insurance Brokers

    Stay Informed with Expert Insurance Insights

    Commercial Insurance
    Downtown kitchener businesses

    Future-Proof Your Business from Climate Risk

    July 30, 2025

    As extreme weather events become more frequent and severe, business owners in Ontario are facing a new kind of threat: climate risk. Floods, wildfires, ice...

    Full Article
    Commercial Insurance
    Woman frustrated at computer

    Protect Your Business from Cybercrime and Ransomware with the Right Insurance

    September 1, 2024

    Cybercrime and ransomware attacks are on the rise, posing significant threats to businesses of all sizes. From data breaches to costly ransomware attacks, the impact...

    Full Article
    Commercial Insurance
    Man holding papers with PPE

    A Comprehensive Guide to Contractors Insurance in Ontario

    June 1, 2024

    Understanding Contractors Insurance Contractors in Ontario face a unique set of risks every day, from potential legal claims to equipment theft and job site accidents....

    Full Article