Commercial Auto Insurance – British Columbia

If your business involves the use of motor vehicles, you need a well-managed commercial auto insurance plan. Whether you own an automotive shop with courtesy cars or a fleet of vehicles for your construction company , having the right coverage gives you peace of mind to do what you do best. Larger operations can even take advantage of Fleet status benefits to save money and provide administrative advantages to make managing your business easier.

As your local insurance experts for over 40 years, we know that each business in BC is unique From Langley to Dawson Creek and everywhere in between, we’ve got you covered. With almost 100 locations across the province, there’s sure to be a Westland location near you.

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Why Choose Westland?

We know that your business insurance needs to match your goals, your business and your budget. Our expert business insurance advisors get to know you and your business, so that they can tailor a policy to your exact needs. We’ll work with you to build a risk management solution, ensuring coverages line up with your business needs.

Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.

Commercial Auto Insurance Explained

Whether your operation has one vehicle or many, you need the proper protection with a commercial auto insurance solution based on your needs. In BC, valid auto insurance is required to operate any vehicle or trailer on a road or highway. Commercial auto insurance is specifically tailored to fit the nuances of all kinds of businesses, which is why it’s important to choose a broker with experience to provide a plan that meets your needs.  Larger operations can take advantage of Fleet status benefits that provide financial and administrative advantages that make running your business easier and cheaper.

Any vehicle or trailer that is used for a purpose other than pleasure use, or driving to or from work or school, can be considered a Commercial automobile. For example: a contractors van, a school bus, a flatdeck trailer used to haul cargo or a pizza delivery car are all examples of commercial-use automobiles.


A Fleet is 5 or more vehicles (trailers do not count towards eligibility but can be included and receive a discount after the Fleet is established) that are registered and/or leased to a single individual or company and enrolled in ICBC’s Fleet Plan. Fleets with 5 to 19 vehicles have the option to enroll in a Fleet Plan, Fleets of 20 or more vehicles are required to enroll.

The Westland Insurance Commercial Fleet Services team is comprised of Fleet Insurance professionals dedicated to servicing the needs of our commercial auto customers. We pride ourselves on building long-term relationships by providing our clients with the highest level of service.

Westland’s Fleet Insurance Team offers both ICBC Fleet Insurance and private insurance. Clients have direct access to experienced Fleet Specialists and customized reporting services including claims analysis and Fleet schedules. Services include:

  • ICBC Fleet Insurance
  • Prorate Licensing
  • Risk Management Services
  • Fleet Premium Adjustment Program Enrollment
  • Mobile decal, plate and document delivery
  • Dedicated transaction processing for quick turnaround
  • ICBC Garage Policies

  • No requirement to list drivers
  • Higher premium discounts – up to 63%
  • Fleet Discounts for trailers
  • Fleet policies expire at the same time and always at month end, making administration easier
  • Access to quarterly and four-year claims reports
  • No requirement to declare a location address
  • Single annual or monthly premium payment for all vehicles
  • At-fault Fleet claims will not impact driver’s personal insurance discounts

Fleet premium discounts are based on the cost of your claims, as opposed to when you insure a vehicle individually, where the quantity of claims matters.

ICBC calculates your Fleet discount using your adjusted claims cost and your gross premium to create a “Fleet loss ratio percentage.” Claims costs are adjusted by capping them at a certain limit; most claims are capped at $7,500 per coverage but this can change depending on a particular Fleet’s experience. The loss ratio is calculated using the following formula:

Adjusted Claims Cost ÷ Gross Premium = Loss Ratio Percentage

The Loss Ratio Percentage is then rounded up and deducted from the maximum possible discount of 63%; the resulting amount is the Fleet discount for the year. For example:

$10,400 ÷ $36,400 = 28.57% Loss Ratio

Rounding up 28.57% gives you 29%, which you deduct from 63% to get the annual Fleet discount: 34%

Yes, please contact your local Westland Insurance broker or our Commercial Fleet Department at the information below. Applications can be done in real-time with just one phone call!

Is your business in the trucking or logistics industry? If so, you’ll want to check out our Transportation & Logistics page.


How Much Does Commercial Auto Insurance Cost in BC?

Just as businesses differ across British Columbia, so do the risks and exposures which impact the cost. The following factors will impact the cost of your fleet insurance coverage:

  • Location
  • Types of Vehicles
  • Number of Vehicles
  • Value of Vehicles
  • Nature of Business Operations

Get a Quote with Westland

Our insurance advisors are here to help make the process of getting Fleet insurance as easy as possible. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your business coverage, click the button below. Our advisors will contact you right away and help you choose the right package. Of course, we are always available to chat over the phone or in person. Check out our locations page to connect with an office closest to you or contact our Fleet Division directly at 778-545-5775 or [email protected] !

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10 BC Business Facts

  1. British Columbia has a solid small business sector, with 98% of all businesses in the province and over one million people employed.
  2. British Columbia is one of the top 3 producing regions of cranberries and blueberries in the world.
  3. BC ranks first in the country for small businesses (per capita), with 84.2 businesses per 1,000 people.
  4. Over 38% of self-employed BC residents are women, making BC the second-highest rate of women-led businesses in the country.
  5. The primary industry in BC is the service industry, accounting for more than 75% of the province’s GDP.
  6. In Vancouver alone, there are approximately 79,989 businesses.
  7. BC’s forest industry contributes about $12.9 billion to the provincial GDP every year.
  8. The film industry in BC employs over 70,000 people.
  9. Fan of seafood? BC is the place for you, exporting salmon, crab, shrimp, you name it!
  10. British Columbia is one of the most popular wine regions on the continent.
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