Search Sovereign

Automobile Insurance

Home Industries and solutions Automobile Insurance

The Sovereign advantage

Your fleet keeps your operations moving. It’s a critical element of your business, so you hire a Fleet Manager to oversee your safety program including maintenance, driver hiring and training. You’ve done your part but no matter how much you prepare, you know that when you send your vehicles out on the road, mistakes can still happen and there are always risks outside of your control. We understand that too. At Sovereign, we have long term experience in transportation across many industries and have built strong relationships with companies that manage fleets across the country. We pass this knowledge and experience on to you.

Exceptional claims experience

We’re renown for our claims service. Our experienced claims team handle your claim efficiently and keep you informed throughout the process. Our experienced automobile claims specialists expertly handle your claim and get your business back up and running as quickly as possible.

Local knowledge, national support

With six offices across Canada, our underwriters have deep local knowledge and are supported by a national team. This enables us to deliver an amazing experience, to serve you and your broker better.

On site risk consulting

Our Risk Specialists have extensive experience, deep knowledge and industry-wide capabilities; they’re experts in fleet safety management. When visiting you on site, they’ll discuss your automobile risks, offer recommendations on the spot and share industry best practices.

Coverages designed to protect your business

Making sure you have adequate liability and vehicle damage coverage* is our priority. We offer all the coverages your vehicles need and can tailor limits and deductibles to the unique needs of your business. Some of the key coverages we provide include:

Third Party Liability
Coverage snapshot

When your drivers are out on the road, there’s always a chance they could be involved in a collision. If your drivers are responsible for a fatality, injury or property damage, Third Party Liability coverage responds and protects you from the financial costs associated with these events. Sovereign offers a choice of Third Party Liability limits that can protect your business.
Direct Compensation (where available)
Coverage snapshot

Sometimes it’s just not your fault. In certain provinces, Direct Compensation provides coverage for your vehicles, contents in your vehicles, and for the loss of use of your vehicles (or those contents), when damage/impairment is caused by someone else.
Uninsured Automobile
Coverage snapshot

You’re insured, but not everyone else is; you need to prepare for every situation. Uninsured Automobile Coverage responds to injury/death losses involving an uninsured motorist or hit-and-run driver. It also covers damage to your vehicle by an uninsured driver.
Accident Benefits
Coverage snapshot

Medical bills, rehabilitation, income replacement and attendant care costs can quickly add up while recovering from an automobile accident. If your employee has been injured, Accident Benefits covers these costs regardless of who caused the accident.
Damage to Vehicle Coverage
Coverage snapshot

Your vehicles keep your business moving. So if they’re damaged, it’s important to get them repaired and back in service quickly. Sovereign can provide physical damage coverage for events like collisions, on road upset, fire, theft, vandalism, hail, windstorm and flood. And while your vehicle is in the shop for repair, we can provide additional protection to cover a temporary replacement. No matter what your needs are, we can customize coverage limits to fit your business.

KEY COVERAGES

Third Party Liability
Direct Compensation (where available)
Uninsured Automobile
Accident Benefits
Damage to Vehicle Coverage

Third Party Liability

Coverage snapshot

When your drivers are out on the road, there’s always a chance they could be involved in a collision. If your drivers are responsible for a fatality, injury or property damage, Third Party Liability coverage responds and protects you from the financial costs associated with these events. Sovereign offers a choice of Third Party Liability limits that can protect your business.

Direct Compensation (where available)

Coverage snapshot

Sometimes it’s just not your fault. In certain provinces, Direct Compensation provides coverage for your vehicles, contents in your vehicles, and for the loss of use of your vehicles (or those contents), when damage/impairment is caused by someone else.

Uninsured Automobile

Coverage snapshot

You’re insured, but not everyone else is; you need to prepare for every situation. Uninsured Automobile Coverage responds to injury/death losses involving an uninsured motorist or hit-and-run driver. It also covers damage to your vehicle by an uninsured driver.

Accident Benefits

Coverage snapshot

Medical bills, rehabilitation, income replacement and attendant care costs can quickly add up while recovering from an automobile accident. If your employee has been injured, Accident Benefits covers these costs regardless of who caused the accident.

Damage to Vehicle Coverage

Coverage snapshot

Your vehicles keep your business moving. So if they’re damaged, it’s important to get them repaired and back in service quickly. Sovereign can provide physical damage coverage for events like collisions, on road upset, fire, theft, vandalism, hail, windstorm and flood. And while your vehicle is in the shop for repair, we can provide additional protection to cover a temporary replacement. No matter what your needs are, we can customize coverage limits to fit your business.

The coverages outlined above may vary by province. Please contact your broker to learn more.