Commercial Auto Insurance – Manitoba

If your business has an element of being out on the road, you’ll want to learn more about commercial auto insurance. Whether you are a specialty trades contractor who relies on your truck every day for work or a construction company with many vehicles, Westland takes the guess work out of insuring your business vehicles. Commercial auto insurance ensures that you have the proper coverage and provides peace of mind, so you’re able to focus on the future of your business.

As your local insurance experts, we know that each business in Manitoba is unique in its own way. From general contractors located in Brandon to dealerships lending out loaner vehicles in Winnipeg and all other companies with vehicles out on the road in between, we’ve got you covered. With all it has to offer, it’s not hard to understand why so many people decide to set up shop in Manitoba.

We understand it’s vital to protect what’s most important to you and your business. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on nurturing your business for the future.

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. Commercial auto insurance is required on vehicles that operate outside of personal use purposes. For those that operate with many vehicles, fleet insurance is a great option from an efficiency and cost management perspective.

A commercial vehicle is defined a vehicle used for business or commercial purposes and operated more than:

  • 30 km from the registered owner’s place of business (if not located in an urban municipality)
  • 30 km from the municipal boundary (if business is located in an urban municipality other than Winnipeg)
  • 20 km from the City of Winnipeg municipality boundary (if located in Winnipeg)

Limited-use commercial trucks are treated separately as their gross vehicle weight is 4,500 kg or more and specifically used for commercial purposes other than gain or compensation and are operated less than or equal to the specifics listed for commercial vehicles.

With that said, there are a lot of factors that go into determining what class to register trucks being used for commercial purposes, and if you’re not sure, we can help. From vehicle weight, to qualifying cargo types, to operating radius, it’s complicated  to properly register each vehicle. Our expert insurance advisors will be able to help answer any questions you may have and register your vehicle with the correct class and coverages specific to your requirement.

A fleet is ten or more vehicles that are registered and/or leased to a company. The MPI Autopac Fleet Program works to reward vehicle maintenance and safe driving. The main advantage of the program is the discount awarded to companies for safe driving across all vehicles.

Our team of Fleet Insurance professionals are 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.

The MPI Fleet Program operates on a scale of rebates and surcharges when determining the cost for fleet vehicles. Throughout the year, you’ll receive four statements outlining claims incurred and fleet loss ratio to better understand the details of your fleet. For example, if your fleet had an accident free year, you’ll be on track to receive a rebate for your annual costs. On the other hand, if your drivers have experienced accidents throughout the year, there will be an increase in annual premium. For example, a high loss experience will result in a high surcharge which will impact insurance costs. We’ve put together a few examples of loss experience to understand the impact of rebates and surcharges:

Loss Experience Rebate or Surcharge
68% Loss Experience 2% Refund
37% Loss Experience 33% Refund
81% Loss Experience 2% Surcharge
129% Loss Experience 50% Surcharge

Any organization that has a group of vehicles that are used for business purposes can benefit from fleet insurance, including:

  • Cities, Municipalities & Townships School Districts
  • General Contractors
  • Transportation & Trucking
  • General Companies
  • Care Service Providers
  • Churches & Religious Associations
  • Automotive Repair Garages
  • Dealerships & Towing Companies
  • Restoration Services
  • Farms
  • Specialty Trade Contractor

No, there is no registration required. If a customer account has ten or more vehicles registered to it, the status automatically updates to fleet.

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 Manitoba?

Just as businesses differ across Manitoba, 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
  • Driver Experience
  • Nature of Business
  • Claims History
  • Loss History

Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique risks and operations, and find the perfect insurance policy for your business. 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 navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!

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10 Manitoba Business Facts

  1. It should come to no surprise that the agriculture industry is a vital part of the economy in Manitoba. In fact, it’s found in almost all communities in the southern half of the province.
  2. Manitoba boasts the largest producers of sunflower seed and dry beans.
  3. Love fast food fries? They likely came from hard working potato farmers in Portage la Prairie and surrounding community. So much so there is the Potato Festival every year in celebration of just that, potatoes!
  4. The main tourist attraction in Manitoba is Churchill’s Arctic wildlife. Visitors can travel to northern Manitoba and become part of a sloth of polar bears.
  5. The oldest company in Canada finds its home in downtown Winnipeg. The Royal Winnipeg Ballet is the oldest Canadian company and just the second oldest in North America.
  6. When you think of Manitoba, does the aerospace industry come to mind? It should! It is the largest in Western Canada and employs over 5,300 people.
  7. Manitoba is the cultural capital of Canada when it comes to festivals. Locals can take in Festival Du Voyageur, Folklarama, Trapper’s Festival and Manito Ahbee.
  8. Transportation and logistics are another strength of Manitoba. CentrePort Canada is a 20,000-acre inland port. It provides facilities for warehousing, manufacturing and distribution.
  9. Manitoba has some pretty creative residents! So much so in fact that it’s coined the name the Cultural Cradle of Canada. We have more than 4,600 business involved in visual arts, music and performing. We also have 400 in film, 900 design firms, and 300 marketing and advertising businesses.
  10. Food processing pulls in $4.7 billion in revenues with over 250 companies. Food items include pork, eggs and other meat products.

Claims Experience from Westland Clients

“We had a line of our skincare product that ended up causing damage to the customer’s skin”.

Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.

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