SMI Commercial Car Scene

What's Yoursurance
for your commercial vehicles?

You rely on your vehicle to keep up with your busy life. Having proper protection allows you to never skip a beat.

Switching is easier than you think, and the right insurance is really affordable.

The commercial vehicle insurance coverage basics.

How do I decide on what to protect with my commercial vehicles?

When considering your insurance needs, it is important to understand the types of coverage that are available.

Your commercial vehicles may not be the primary way your business makes money, but they could put you and your business in a risky situation if you are not insured correctly. Our business specialist will take an in-depth look at your specific need to make sure you are not overpaying, or underinsured.

Expert Guidance .

Your Dedicated Broker:
Fisher RIB (ON), CAIB


Meet Bev

Yoursurance: What you should protect for your commercial vehicle


Provides coverage and protection when you are responsible for causing bodily injuring or property damage to another person or property.

Accident Benefits

In Ontario the option to sue for injury or loss of income is limited so you need to make sure you have the right coverage for you and your family as well as the occupants of your vehicle.


Covers costs to repair damages to your vehicle resulting from an accident with another vehicle or object.

Replacement Guarantee

For some classes this optional coverage would replace your new car in an event of a theft or a total loss.

Accident Forgiveness

An optional coverage to protect your rate if you have an accident that is your fault.

Temporary Replacement Vehicle

For some classes this optional coverage will cover you for a rental vehicle to keep you on the road while your car is being repaired, following a claim.


Physical damage to your commercial trailer while being towed by your commercial vehicle.

Auto & Fleet

A reduced rate may be available with five or more commercial vehicles on your policy.

Request A Quote

Please complete the form below and your SMI Dedicated Broker will be in touch shortly about your quote request.