Business use of vehicles the organization does not own needs its own discussion.
Employee vehicle use, rentals and delivery arrangements.
What liability is addressed and what vehicle damage remains separate?
Start my business enquiry →Hypothetical situation
An employee has an accident while using a personal vehicle for work.
Ask which wording, conditions and notification requirements would apply. A scenario does not establish coverage or guarantee an outcome.
Covers your business’s liability arising from vehicles it does not own — employee cars on company errands, rentals, borrowed trucks.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
Any business whose people drive for work in vehicles the business does not plate. Most owners assume they are covered and are not.
It does not cover damage to the vehicle itself. That needs SEF/OEF 94. And without SEF/OEF 96 the liability you assumed by signing the rental counter agreement is excluded.
Entirely Canadian. SPF 6 is the policy; the SEF/OEF 90-series are its endorsements. There is no US equivalent to the form family or the prefixes.
| Canonical name | Non-Owned Automobile |
|---|---|
| Abbreviation | SPF 6 |
| How it is bought | Standalone policy, usually attached to the package |
| Category | Automobile |
| Typical limits | Range only, with the basis stated — Canada publishes no commercial tariff |
Limits are written to the exposure and to what your contracts demand, not to a rule of thumb. Any page quoting a single “standard” limit for a class of business is quoting one broker’s habit.
One request, and someone licensed to place this coverage picks it up.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
Hi, I’m Genie. I can explain how this website works, help you find a page, or point you to a person. I can’t answer coverage questions or give insurance advice.
