Commercial car insurance is often a hassle. However, this should not be the case, you just need to know how to get started. In this guide, we'll give you a quick overview of some of the key points to consider when buying your auto insurance.
The first step in finding the right type of Ontario commercial vehicle insurance is to look at the type of vehicle you need to insure. Many contractors and other professionals drive and use fairly standard vehicles in the form of vans or pickups for their work. From there, there's the full spectrum of real trucks, from big 18-wheelers and under. There is also a large selection of special vehicles and special trucks.
With very specific types of equipment and applications, they also need very specific types of commercial auto insurance to match. Whether you use a tow truck, dump truck, refrigerated truck, lumber truck, car carrier, etc. You get the idea, it has a direct impact on the type of policy you need.
Of course, the industry you work in also plays a role. You can drive the same type of vehicle or class of vehicle for different purposes and meet different vehicle coverage requirements, regulations and recommendations. At the same time, the industry you are in also has a direct impact on the peak and type of vehicle you drive.
Your industry affiliations also play a role in your commercial vehicle insurance needs. Remember that you can be a fleet owner, a truck driver, or a truck owner and operator, and everyone has very different insurance coverage needs.