Fleet Insurance Companies in Ontario
Not all insurers write fleet business the same way. Here's a guide to the major fleet insurance carriers in Ontario and what they specialize in.
Last updated: January 2026 | Carrier guide
Northbridge Insurance
Top Choice for TruckingCanada's largest commercial trucking insurer. Northbridge has dedicated trucking underwriters and offers comprehensive fleet programs from 5+ units.
Intact Insurance
Canada's Largest P&C InsurerBroad appetite for commercial auto including trucking fleets. Offers competitive rates for well-established fleets with good loss history.
Travelers Canada
Strong Cross-BorderUS-based carrier with strong Canadian presence. Excellent for fleets with significant cross-border exposure due to seamless US/Canada coverage.
Old Republic Insurance
Trucking SpecialistDedicated trucking insurer with deep industry expertise. Known for working with challenging risks and providing specialized coverage.
Markel Insurance
Flexible UnderwritingSpecialty insurer with appetite for risks other carriers decline. Good option for fleets with less-than-perfect history looking to rebuild.
Federated Insurance
Direct Sales ModelWorks directly with businesses (not through brokers). Strong safety programs and risk management support for growing fleets.
Quick Comparison
| Carrier | Min. Units | Cross-Border | New Ventures |
|---|---|---|---|
| Northbridge | 5 | Excellent | Limited |
| Intact | 3 | Good | Selective |
| Travelers | 5 | Excellent | Limited |
| Old Republic | 5 | Good | Yes |
| Markel | 3 | Limited | Yes |
| Federated | Varies | Limited | Yes |
Why Use a Broker?
Fleet insurance is almost exclusively sold through licensed commercial insurance brokers. Here's why:
- Market Access: Brokers have appointments with multiple carriers you can't access directly
- Negotiation Power: Experienced brokers know how to present your risk favorably
- Claims Advocacy: Your broker advocates for you when claims arise
- Comparison Shopping: Get quotes from multiple carriers with one application
- Industry Expertise: Commercial truck brokers understand fleet-specific coverage needs
Related Fleet Insurance Topics
Fred founded Morison Insurance in 1994, growing it from a single Hamilton office to Ontario's #1 Insurance Broker as named by IBAO. With roots dating back to 1895, the family business now serves over 80 professionals across multiple locations.