Commercial vehicle
Your commercial car is a vital tool for your work. Commercial vehicule protects your business vehicles and covers your liability, ensuring your operations can run smoothly.
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Why commercial vehicle insurance?
This insurance covers automobiles, transport vehicles, delivery vehicles, trucks, trailers, heavy vehicles, and service vehicles. It also includes passenger vehicles when they are used for work purposes. This coverage is essential for protecting your work vehicles, as downtime can be costly.
Standard coverage
Depending on how you use your commercial vehicle, standard coverage may be ideal for you.
Civil liability
This option provides coverage for property damage or bodily injury to third parties in the event of an accident involving your commercial vehicle.
Theft, fire, and vandalism
You can feel confident knowing that you are protected against risks such as theft, fire, or vandalism.
Collision and rollover
Coverage that protects your commercial vehicle, its equipment, and accessories in case of a collision or rollover.
Additional coverage
Depending on your circumstances and risk tolerance, you can enhance your insurance coverage. Additional options are available to help you expand your coverage and create a tailored safety net.
Replacement value
Ensure your commercial vehicles are covered for their replacement value, without accounting for depreciation. In case of a total loss, they can be replaced with an equivalent model from the current year.
Equipment and accessories
Protect any equipment and accessories added to your vehicles, such as navigation systems, work tools, or specialized fittings.
Temporary vehicle replacement
If an accident renders your vehicle inoperable, this option covers the rental or loan of a replacement vehicle to avoid interrupting your activities.
FAQ
Answers to your questions!
Can I tailor my insurance to my industry?
Absolutely! The needs of a restaurant owner, a manufacturer, and a transporter are not the same. Your broker will ensure that your coverage is tailored specifically to your industry.
What factors affect the cost of my business insurance?
The cost of insurance is influenced by several factors, including the size of your business, the value of the property you want to protect, the industry in which you operate, your claims history, and the type of coverage you select. For instance, businesses in the restaurant or transportation sectors generally face greater risks compared to those in administrative fields, which can lead to higher insurance premiums. Implementing preventive measures, such as security systems, can help lower your costs.
Does my insurance cover my employees?
In general, business insurance does not directly cover employees, unlike group insurance. Instead, it protects your civil liability in case an employee causes harm while performing their job duties. Therefore, it is advisable to obtain group insurance or contact the CNESST to ensure the financial and medical security of your employees.
Can I deduct my business insurance premiums from my taxes?
Yes, you can typically deduct business insurance premiums as a business expense on your taxes. However, it’s advisable to consult with your accountant for specific guidance on how to proceed.
Am I protected if my operations are temporarily suspended after a disaster?
Yes, but only if you have business interruption coverage. This coverage protects against financial losses that arise from a temporary halt in your operations due to a covered disaster, such as a fire.
Interested?
Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promotuel
L’Unique
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