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Commercial car insurance comparison tool

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Quebec Business Insurance Broker Online

Managing a fleet of commercial vehicles in Quebec without comparing insurance offers means paying too much for coverage that may not be right for you. A commercial auto insurance comparison tool allows you to put 30+ AMF-certified insurers in competition in minutes — and that’s exactly what Assur360 does for Quebec businesses and SMEs.

COMMERCIAL AUTO COMPARATOR QUEBEC

Compare Commercial Auto Insurance from 30+ Insurers in 3 Minutes

Fleets, commercial vehicles, delivery trucks, executive cars — find the best coverage at the best price.

Compare my options for free
30+
Insurers Compared
15-40 %
Potential Savings
3 min
Free quote
$0
Broker Services

Why use a commercial car insurance comparator?

Commercial auto insurance in Quebec is a complex market: premiums vary greatly from one insurer to another depending on the type of vehicle, use, annual mileage and the company’s claims history. A comparison tool saves you from contacting each insurer individually.

💰 Guaranteed savings

By comparing offers from more than 30 insurers, you can identify the most competitive premiums without compromising coverage. Companies save an average of 15 to 40% on their commercial auto insurance.

⏱️ Time saving

Instead of contacting each insurer separately, a single request via the comparator generates multiple quotes. Your broker analyzes the results and presents you with the best options.

🎯 Tailor-made coverage

Every business has unique needs. The comparator filters the offers according to your profile: type of fleet, radius of operation, number of drivers, value of vehicles and risks specific to your sector.

What vehicles are covered by commercial auto insurance?

Commercial auto insurance applies to any vehicle used in the course of professional activities. Here are the most common categories:

🚛 Trucks and vans

Delivery trucks, vans, commercial vehicles, commercial pick-ups. Coverage adapted to tonnage and use.

🚗 Company cars

Representative vehicles, service cars for employees, vehicles shared between several drivers.

🚐 Commercial fleets

Fleets from 5 to 500+ units. Sliding scale rates and centralized policy management.

🏗️ Specialized vehicles

Ambulances, tow trucks, tankers, construction vehicles. Industry-specific coverage.

🛵 Delivery Vehicles

Courier vehicles, food delivery, couriers. Heavy-duty with high mileage — adjusted premiums.

🚜 Agricultural vehicles

Tractors, trailers, agricultural equipment on public roads. Specialized agricultural insurance available.

Essential Commercial Auto Insurance Coverages

A comprehensive commercial auto insurance policy in Quebec must include several types of coverage to cover all the risks associated with the professional use of your vehicles.

liability loss vehicle liability
CoverageWhat it protectsRequired
CivilBodily injury and property damage caused to third parties with your vehicles✓ Yes
CollisionDamage to your vehicles in an accident with another vehicle or objectRecommended
All risksTheft, vandalism, fire, hail, flood, broken glass, falling objectsRecommended
Replacement Cost / ReplacementReplacement of the vehicle with an equivalent new one in the event of totalOptional
ReplacementRenting a vehicle while yours is being repaired — essential for fleetsRecommended
EmployerClaims related to the use of vehicles by your employees in the course of work✓ Essential

How the Assur360 comparator works in 4 steps

1

Describe your fleet

Fill out the online form in 3 minutes: number of vehicles, types, uses, annual mileage, number of drivers and claim history.

2

Your broker compares 30+ insurers

An AMF-certified broker analyzes your profile and solicits the best insurers in the Quebec market. It filters the offers according to your budget and specific needs.

3

Receive your comparative quotes

You will receive a clear comparison of the best offers: premiums, deductibles, included and excluded coverage. Everything is transparent to facilitate your decision.

4

Choose and save

Select the plan that’s right for you. Your broker takes care of everything: issuing the policy, pink cards, and support in the event of a future claim.

💡 Broker’s Advice — Jean Boissonneault, 30+ years of experience

“Companies that compare their commercial auto insurance annually save an average of $2,000 to $8,000 per year depending on the size of their fleet. Never renew automatically — the market changes every year and insurers adjust their criteria. A broker does this job for free for you. »

Criteria for choosing the best commercial car insurance

Assess your real risks

Delivery in dense urban areas? Construction site? Rural roads in winter? Each use has specific risks that influence the necessary coverage and the premium.

Compare Beyond Price

The cheapest premium is not always the best. Check deductibles, exclusions, coverage limits and quality of service in the event of a claim.

Adapt to your size

An SME with 3 vehicles does not have the same needs as a fleet of 50 trucks. Some insurers offer decreasing rates from 5 vehicles.

How to Reduce the Cost of Your Commercial Auto Insurance

training profile Higher coverage
StrategyDetailsEstimated savings
Compare annuallyUse a comparison tool every year at renewal to take advantage of the best offers15-40%
DriverDefensive driving programs and continuing education — some insurers offer discounts5-15%
Telematics (GPS)Monitoring of driving behaviour to prove a good risk10-20%
deductibleIncreasing the deductible from $500 to $2,500 reduces the premium while maintaining the major15-25%
Font groupingCombining car, business and liability insurance with the same insurer10-15%

⚠️ Common mistake — Don’t under-insure your fleet

Some companies reduce their coverage to save money in the short term, but a single serious accident with a commercial vehicle can generate $500,000 to $2 million in liability claims. Make sure you have at least $2 million in RC — this is the recommended minimum for commercial fleets in Quebec.

Commercial Auto Insurance Anywhere in Quebec

Our AMF-certified brokers assist companies in all regions of Quebec in comparing their commercial auto insurance. Whether your fleet operates in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Drummondville, Longueuil, Saint-Jean-sur-Richelieu or Rimouski, we compare offers from 30+ insurers to find the optimal coverage at the best price. Rates vary by region — a local broker knows the specifics of your market and the insurers that are most competitive.

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Frequently asked questions — Commercial car insurance comparison tool

What is the difference between personal and commercial car insurance?
Commercial car insurance covers vehicles used in professional activities: delivery, transport of goods, travel of representatives, company fleets. It offers broader coverage (employer liability, use by multiple drivers) and higher liability limits than personal insurance.
How much does commercial car insurance cost in Quebec?
Premiums vary according to the type of vehicle, the use and the profile of the company. On average, expect to pay between $1,500 and $5,000 per vehicle per year for comprehensive coverage. Fleets of 5+ vehicles often benefit from sliding scale rates. A comparator allows you to find the best offers quickly.
Is the Assur360 comparator really free?
Yes, 100% free and without obligation. The broker is compensated by the insurer you choose via a commission — you pay nothing more than if you contacted the insurer directly. In fact, brokers often get preferential rates that are inaccessible to the general public.
Is my personal vehicle used for work covered?
No. If you use your personal vehicle for commercial activities (deliveries, customer visits, transport of goods), you must declare it to your insurer. Undeclared commercial use may result in a claim denial. A commercial endorsement or commercial auto policy is required.
From how many vehicles can I get a fleet rate?
Most Quebec insurers offer fleet rates starting at 5 vehicles. Savings increase with fleet size — a company with 20+ vehicles can save 20-30% compared to individual policies. A broker can negotiate the best terms for your fleet size.
What factors have the greatest influence on commercial car insurance premiums?
The main factors are: the type of vehicle and its value, use (delivery vs. representation), annual mileage, number and profile of drivers, the company’s claims history, the region of operation and the safety measures in place (telematics, training, secure parking).
Can telematics reduce my business insurance premium?
Yes. Telematics systems (GPS, driving tracking) make it possible to demonstrate a good risk profile to your insurer. Companies that use them get discounts of 10 to 20% on their premiums. As an added bonus, telematics reduces accidents and improves your fleet management.
What if one of my employees has an accident with a commercial vehicle?
First make sure no one is hurt and call emergency services if necessary. Document the accident (photos, joint report, witnesses). Report the claim to your insurer within 24 to 48 hours. Your commercial auto policy covers damage caused by your employees in the course of their work.

Why compare with Assur360?

✓

AMF certified

Brokers supervised by the Autorité des marchés financiers du Québec.

✓

ChAD Member

Chambre de l’assurance de dommages — a guarantee of professionalism.

✓

100,000+ Submissions

Thousands of Quebec companies have already compared and saved.

Compare your commercial auto insurance now

30+ Quebec insurers. 3 minutes. Free and without obligation.

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