Insurance for commercial vehicles
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Coverages
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
- Commercial vehicles 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
- Garbage trucks
- Trucks used to transport:
- Cement powder
- Bricks, concrete blocks
- Gravel, soil and snow
- Heavy vehicles (trucks, box trucks, aerial lift trucks, tractors, etc.)
Basic coverage
- 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.
- 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.
- 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
- 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.
- 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.
- 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).
- 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
- Insures businesses working in the automobile industry, including garages.
- Covers vehicles belonging to your business or your clients.
- Covers merchandise in transit. This protection is offered as an option with your property and liability insurance.
- Covers loss of merchandise if the refrigeration unit breaks down. This protection is offered as an option with your property and liability insurance.
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
- Get rewarded for your environmental awareness with our Green Savings:
- 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
Why choose Desjardins Business Insurance for your commercial vehicles?
- Get 5-year Replacement Cost 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.
Value Plus OptionTM is a trademark of Desjardins General Insurance Group Inc., used under licence.
The clauses and terms of the described coverage are set out in the insurance policy. Some conditions and exclusions apply.
Available only in Quebec.
Desjardins Insurance, Desjardins Insurance Business and Desjardins Business Insurance refer to Desjardins General Insurance Inc.
