Fleet Insurance Requirements in Ontario
What you need to qualify for fleet insurance, from minimum vehicle counts to CVOR requirements and documentation.
Last updated: January 2026 | Requirements guide
Minimum Requirements at a Glance
Minimum Vehicle Requirements
The number of vehicles you need depends on the insurer and the type of fleet program:
- Basic fleet rating available
- 5-10% volume discount
- Annual reporting
- Limited carrier options
- Full composite rating
- 15-20% volume discount
- Quarterly reporting
- Most carriers available
- Best composite rates
- 20-40% volume discount
- Monthly reporting
- Custom programs available
CVOR Requirements
Your Commercial Vehicle Operator's Registration (CVOR) is mandatory for any fleet operating commercial vehicles over 4,500 kg in Ontario. Insurers will check:
- CVOR Status: Must be "Satisfactory" for standard market access
- Violation Rate: Under 35% is preferred; over 50% limits options significantly
- Audit History: Recent facility audits and their outcomes
- Incident History: Reportable accidents and convictions
Required Documentation
Have these documents ready when applying for fleet insurance:
Documentation Checklist
Driver Requirements
Your drivers are a critical factor in fleet insurance qualification:
Cross-Border Requirements
If your fleet operates into the United States, additional requirements apply:
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.