Vehicle use determines coverage
In Ontario, the moment a vehicle supports business activity beyond commuting, you should assume a personal policy may not respond properly. The risk is a denied claim at the worst time.
Common examples of business use
• Deliveries, service calls, or client visits • Transporting tools, inventory, or equipment • Driving between job sites during the workday • Rideshare or food delivery activity • Using a vehicle owned by the business
How to stay protected
• Disclose how the vehicle is used, including occasional business use • Confirm drivers, territories, and load types are correctly rated • Align liability limits to your contracts and customer expectations
Talk to Boardwalk
If you are unsure whether your policy matches your real use, we can review it quickly and help you avoid coverage gaps.