What is Commercial Auto Insurance?

If you own a business vehicle, or are frequently using one to transport products or tools, or to make deliveries, you should have Commercial Auto insurance. The vehicles of your business are essential in helping you drive your business forward, and the right coverage will give your wheels the security they need, if an unexpected incident occurs.

TD Insurance Savings Commitment

With TD Insurance for Business, only pay for the coverage you need. And now, you could get up to 15% in discounts on your Commercial Property & Liability policy – speak to a licensed TD Insurance Advisor today1.

  • Bundle and save

    Save 5% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 5% for being an existing TD customer.1

Who needs Commercial Auto Insurance?


Don't see your industry or business type listed? Please call us at 1-855-724-2883 to find out more.

Coverage Options for your Small Business

TD Insurance offers small business owners the basics of commercial auto insurance, plus additional coverage options to suit your business needs. 

  • Third Party Liability

    Coverage if you injure someone or damage their property, and you are the at-fault driver.

  • Accident Benefits 

    Coverage to help you recover from injuries caused by an accident, regardless of fault.

  • Collision

    Coverage for damages caused to your vehicle in an accident, regardless of fault.

  • Additional Coverage Options

    Comprehensive, Family Protection, and All Perils are options to consider. 

3 easy steps to get customized small business insurance

  • 1

    See if your industry is covered

    Check our list to see if we offer coverage for your industry. Select the industry that best describes your business.

  • 2

    Review coverage options for your business

    We offer a variety of flexible coverage options. We can help you customize a plan that best suits your small business.  

  • 3

    Get a quote online or give us a call

    Get a quote online or speak directly to one of our Licensed TD Insurance Advisors at 1-855-724-2883. Customized and convenient; get the protection your business deserves.

Let’s get you started with a quote

Claim Scenarios for Commercial Auto Insurance

Potential Claim:

While out for a delivery, you are driving down a country road and you accidently collide with a cyclist. The cyclist is seriously injured and requires medical attention.

Potential Outcome:

Provides protection if you're at-fault in an accident for injuring or causing death to a third party or damaging their property. In this scenario, your third-party liability car insurance may cover the third party's collision-related expenses.

Potential Claim:

You're driving from your warehouse location to your retail storefront to restock inventory. While driving, you get in a collision with another vehicle causing damage to the vehicle and some of your inventory.

Potential Outcome:

Collision coverage helps pay to repair your vehicle if it is damaged in an accident where you are at-fault or if you are hit by an unidentified vehicle (hit and run). If the vehicle is found to be unrepairable, the Actual Cash Value of the vehicle would be determined and paid. Your commercial property policy with business contents coverage may provide coverage for damages to your inventory. 

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

Browse Additional Small Business Insurance Products

  • Commercial Property Insurance

    Protect your property as well as your contents and equipment 

  • Commercial General Liability Insurance

    Financially protect your business from accidents that result in lawsuits

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here