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Insurance for commercial vehicles

An exclusive advantage for members:15% annual cashback on your commercial vehicle insurance*

Coverages


Eligible vehicles by usage

Here is a list of the types of vehicles we cover. Call us to find out if your vehicle is eligible.

  • Private passenger vehicles used for business
  • Pharmaceutical representatives' vehicles
  • Delivery vehicles belonging to pharmacies
  • Delivery vehicles belonging to restaurants
  • Mobile canteens
  • Driving school vehicles
  • Utility vehicles or trucks used for deliveries, including:
    • Packages and mail
    • Newspapers, magazines
    • Baked goods, groceries, fruit and vegetables
    • Beer and carbonated drinks
    • Milk products
    • Fish products
    • Meats/cured meats
    • Poultry
    • Furniture
    • Building material, hardware products
  • Moving trucks
  • Contractor's vehicles and trailers
  • Landscaping trucks
  • Well-drilling trucks
  • Waste removal trucks
  • Trucks used to transport:
    • Fresh concrete (concrete mixers)
    • Cement powder
    • Bricks, concrete blocks
    • Wood, logs, wood shavings
    • Gravel, stone, sand, soil
    • Snow
    • Bulk
  • Heavy vehicles (trucks, box trucks, aerial lift trucks, tractors, snowplows, etc.)

Basic coverage

Civil liability

  • Coverage if you damage someone else's property (e.g. you back into a fence).
  • Protection if you injure someone outside Quebec.

In Quebec, you must carry at least $50,000 in liability coverage.

Collision and upset

  • This coverage is generally mandatory if your vehicle is leased or financed.
  • In the event of an at-fault accident, it covers damage to the vehicle.
    • For example, if your vehicle rolls over or is involved in a collision with a person, an animal or an object, including another vehicle or a trailer that is attached to the vehicle.
  • Attached equipment is also covered (e.g. aerial lift, hydraulic boom).
  • In the event of a total loss, you receive the value of the vehicle at the time of the loss.

All perils other than collision or upset

  • Protects your vehicle against fire, theft, vandalism, glass breakage, hail, rising water and more.
  • This coverage is generally mandatory if your vehicle is leased or financed.

Optional coverage

New vehicles: Replacement Cost - Endorsement 43 (A and E)

  • Protects new vehicles against depreciation for up to 5 years.
  • In case of theft or total loss, we will replace your vehicle with a new one of the same value and with the same options.

Most new commercial vehicles are eligible, including heavy vehicles.

Used vehicles: Value Plus OptionTM - Endorsement 43 (B and F)

  • Protects previously owned vehicles against depreciation for up to 5 years.

Most commercial vehicles are eligible, including heavy vehicles. You won't find this protection from any other insurer!

™ Trademark owned by Desjardins General Insurance Inc.

Travel costs (broad form) (Section B) - Endorsement 20a

  • Following an insured loss, this protection covers transportation expenses and other costs while the vehicle is being repaired (vehicle rental or taxi, including accommodation and meals if you're away from home).

Civil liability – damage caused to vehicles of which named insured is not owner (including vehicles provided by an employer) (Section A) - Endorsement 27

  • Covers you, your shareholders, partners or employees if you damage a rented or a borrowed utility vehicle in Canada or the United States ($100,000 limit).
  • You may not need the insurance offered by the rental company.

Other coverages

Garage form (Q.P.F. No. 4)

  • Insures businesses working in the automobile industry, including garages.
  • Covers vehicles belonging to your business or your clients.

Vehicles carrying merchandise

Vehicles with a refrigeration unit

Any questions?

Call one of our specialized business insurance agents. Our certified insurance professionals can advise you on the best coverage for your commercial vehicles.

To fully meet your needs, an account manager can come to you.

The clauses and terms of the described coverage are set out in the insurance policy. Some conditions and exclusions apply.

Savings

Save more on your business insurance premium

  • Install a certified anti-theft or tracking system1
  • Get rewarded for your environmental awareness with our Green Savings:
    • Save 10% for fuel-efficient vehicles2
    • Save 15% for hybrid vehicles2
    • Save 20% for electric vehicles2
  1. Some conditions and exclusions apply. Contact us for a list of models.
  2. Some conditions and exclusions apply. The discount for fuel-efficient vehicles is granted in compliance with eligibility criteria determined by Desjardins General Insurance based on information contained in the Fuel Consumption Guide published by Natural Resources Canada.

Advantages

Exclusive advantage for Desjardins members

Are you a Desjardins caisse member with a business account? You may be eligible for certain benefits! On top of a competitive insurance premium for your commercial vehicle, you get:

15% annual cashback

  • on the total insurance premium of your commercial vehicle policy (before tax)
  • deposited directly into your Desjardins caisse business account

Eligibility Criteria

  • Have a business account with a Desjardins caisse in Quebec
  • Insure your commercial vehicles or fleet with Desjardins Business Insurance

You don't have a Desjardins business account?

We offer a range of business accounts. Learn more about the

  • features
  • advantages
  • complementary services

We have an account that's right for your business! Simply choose the product you like and open an account.

Bundle your insurance and financial services with Desjardins today!

You're not insured with us?

This offer is exclusively for members. It's another great reason to choose Desjardins Business Insurance for your commercial vehicle or fleet. Get a quote today!

Request a quote

Even more Desjardins advantages for members!

If you have a business account with a Desjardins caisse, your cooperative gives you other exclusive advantages for your business. Discover them today!

Only Desjardins offers you this many advantages.1 Become a member

Why choose Desjardins Business Insurance for your commercial vehicles?

  • Get 5-year Replacement CostTM coverage for new vehicles or the Value Plus OptionTM for used vehicles (including heavy vehicles) – Desjardins Insurance is the 1st insurer in Quebec to offer this protection!
  • Pay no deductible in the event of theft or an at-fault accident for certain vehicles.
  • Pay only one deductible for a single loss on the same location that affects both:
    • personal and commercial property and vehicle(s) insured with us.
  • Enjoy flexible payment options. Up to 12 monthly instalments, with no fees or interest.
  • Use Desjardins BONUSDOLLARS to pay part or all of your premium.
  • Benefit from the expertise of a team of specialized business insurance agents.
* Some conditions, limitations and exclusions apply. This offer may be cancelled without notice. The cashback is deposited approximately one month before the insurance policy renewal date. The cashback amount will be calculated approximately 90 days before the policy renewal, based on the number of eligible vehicles covered by the policy. This amount is final and any subsequent change made before the end of the policy term will be considered at the next renewal.The policy must be in effect at the time of deposit.
1 For some advantages, certain specific conditions apply. Desjardins members are individuals and businesses who have an account in a caisse affiliated with Fédération des caisses Desjardins du Québec or Fédération des caisses populaires de l'Ontario inc.
TM Trademark owned by Desjardins General Insurance Inc.
The clauses and terms of the described coverage are set out in the insurance policy. Some conditions and exclusions apply.
Request a quote

Available only in Quebec.

Desjardins Insurance, Desjardins Insurance Business and Desjardins Business Insurance refer to Desjardins General Insurance Inc.

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