Your fleet is a business on wheels. Insure it like one.
Whether you run five cube vans or two hundred tractors, fleet insurance should work as hard as your dispatch board does. I build fleet programs that keep every unit moving — and make insurers compete for the privilege.
Fleet insurance isn't car insurance with more cars.
Insuring vehicles one by one is how fleets overpay. A proper fleet policy rates your operation as a whole — your safety record, your drivers, your radius — and prices the risk you actually are, not the sum of 40 individual guesses.
That's where a broker earns his keep. I package your fleet the way underwriters want to see it: clean driver schedules, documented safety practices, loss runs that tell the right story. Then I take it to 60+ markets and let them fight over it.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a fleet insurance program typically includes:
Commercial auto liability
The backbone — $1M to $5M+ limits that satisfy shippers, contracts, and regulators across Ontario and cross-border.
Physical damage
Collision and comprehensive on every unit, scheduled by VIN so nothing slips through the cracks at claim time.
Cargo coverage
Your customers' freight, covered from pickup to delivery — including reefer breakdown where it applies.
Hired & non-owned auto
Rentals, leased units, and employee vehicles used for work — the gaps that sink unprepared fleets.
Downtime protection
Loss-of-use and rental reimbursement options that keep revenue flowing while a unit is in the shop.
Fleet safety review
Driver abstracts, MVR monitoring guidance, and loss-control practices that push your premiums down year after year.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Fleet insurance for the 401 corridor and beyond
I'm based in Mississauga — minutes from Pearson, the 401/407 interchange, and the busiest freight corridor in Canada. I work with fleets across Brampton, Etobicoke, Vaughan, Milton, and the wider GTA, plus long-haul operations running Ontario to the US. Local when you need a face, available whenever the wheels are turning.
Questions, answered
How many vehicles do I need to qualify for fleet insurance?
Most insurers start fleet rating at as few as 2–5 vehicles, with better pricing tiers as you grow. Even a small operation benefits from being packaged as a fleet rather than insured vehicle-by-vehicle.
Can you cover US exposure for my fleet?
Yes. I place cross-border liability and cargo coverage for Ontario fleets running into the US, including the filings and limit structures American shippers and brokers demand.
One bad claim — will it wreck my renewal?
One claim stings, but it doesn't have to define you. How the claim is presented, your corrective action, and which markets see the file all matter. That's exactly the kind of file I know how to position.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.