Category

What may be covered

What is generally not covered

Third-Party Liability

Bodily injury, death, or property damage caused to others by an insured vehicle.

Intentional acts or liability above the policy limit.

Accident Benefits

Medical, rehabilitation, attendant care, and selected optional accident benefits.

Benefits not selected under the policy or losses outside policy terms.

Uninsured Automobile

Certain losses involving an uninsured or unidentified driver.

Losses that do not meet Ontario coverage requirements.

Vehicle Damage

Collision, rollover, theft, vandalism, fire, and certain weather-related damage when appropriate coverage is selected.

Wear and tear, mechanical breakdown, or damage excluded by the policy.

DCPD

Certain vehicle damage when another insured driver is at fault and Ontario requirements are met.

DCPD recovery if the policyholder has chosen to opt out.

Listed Drivers

Approved employees or other drivers insured under the policy.

Undisclosed or excluded drivers may not be covered.

Tools and Goods in the Vehicle

Limited coverage may apply in some situations depending on the policy.

Tools, inventory, and cargo are generally not automatically covered by commercial auto insurance and may need separate protection.

Rented or Employee-Owned Vehicles

Certain exposures may be covered through hired or non-owned auto coverage when added.

Vehicles not owned by the business are not automatically covered under every commercial auto policy.