Commercial Fleet • Ontario MTO & CVOR
Ontario Commercial Trucking & CVOR Insurance
Specialized primary auto liability, motor truck cargo, and physical damage insurance for Ontario carrier authorities and owner-operators.
1. Ontario CVOR Regulatory Mandates
In Ontario, commercial motor vehicles with gross weights exceeding 4,500 kg must operate under a valid Commercial Vehicle Operator's Registration (CVOR) administered by the Ministry of Transportation (MTO). Carrier safety scores directly influence commercial insurance premiums.
2. Core Transportation Coverages
Primary Auto Liability ($2M - $5M)
Essential third-party bodily injury and property damage coverage required for operating authority across the 400-series highway network and interprovincial trade corridors.
Motor Truck Cargo
Covers loss, damage, or theft of dry van, temperature-controlled, or flatbed freight from shipper pickup to consignee delivery.