Auto insurance

Commercial vehicles

Injury insurance

Depending on whether you choose No Fault or Tort Coverage, our Commercial Auto Pak policy has different features to suit your needs.

No Fault Coverage

Educational allowance

Pays up to an additional 50% in excess of the licence plate insurance coverage.

Funeral expenses

Pays to the surviving spouse up to an additional 50% for actual expenses over the licence plate insurance amount.

Income benefits

If you are unable to go back to work for a period of time, our Commercial Auto Pak policy pays the 10% of net income not covered under No Fault Coverage, plus a formula net income in excess of licence plate insurance. It also matches third-party liability limits up to $2 million.

Spousal death benefits

Pays any additional amounts required to bring the total spousal death benefit up to half of the deceased victim’s net income and 5% of net income for each dependant. The benefit is paid until the surviving spouse’s death.

Tort Coverage

Funeral expenses

Pays to the surviving spouse up to an additional 50% for actual expenses over the licence plate insurance amount.

Income benefits

If you are unable to go back to work for a period of time, our Commercial Auto Pak policy pays an additional 25% of the weekly income benefit covered by the licence plate insurance.

Spousal death benefits

Pays any additional amounts required to bring the total spousal death benefit up to 50% of the deceased victim’s net income, to the maximum net income allowed under the licence plate insurance. It also pays an additional benefit to the surviving spouse, bringing the payments up to 5% of the deceased victim’s net income for each dependant. The benefit is paid until the surviving spouse’s death.