Commercial auto coverage for Saskatchewan business vehicles and fleet risks
Business vehicles carry different risks than personal vehicles because they are tied directly to customers, contracts, jobsites, deliveries, service calls, and daily operations. Saskatchewan businesses may need coverage for work trucks, service vans, delivery vehicles, company cars, fleets, employee drivers, liability claims, vehicle damage, theft, and downtime after an insured loss.
The right commercial auto or fleet policy depends on how vehicles are used, who drives them, where they travel, what they carry, and how much the business relies on them each day. Westland helps Saskatchewan businesses review coverage options, understand limits and exclusions, and choose protection that fits their vehicles, drivers, operations, and budget.
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.
Any vehicle that is used for business purposes is classified as a commercial vehicle. For instance, driving to and from work or school isn’t considered a business purpose. An electrician’s van with tools and equipment that’s used in the business would be a commercial vehicle.
In addition to your basic plate insurance, the following coverages are available for commercial vehicles.
Damages
- Collision and Upset
- All Perils
- Comprehensive
Injury
- No-Fault Coverage
This is an all-encompassing coverage that covers the main expenses that you may incur if you are in an accident, no matter who is at fault.- Funeral Expenses
- Death Benefits
- Income Benefits
- Education Allowance
- Tort Coverage
This coverage provides for some expenses in the event of an accident. It allows you to pursue further legal action for expenses not covered.- Funeral Expenses
- Death Benefits
- Income Benefits
For vehicles weighing over 11,794 kg, the excess of the value of your vehicle over the basic plate coverage can be covered off either with your plate insurance or on a commercial auto policy. Excess value coverage is typically less expensive on a commercial auto policy vs on a plate registration. For example, if a heavy vehicle basic plate provides $15,000 and the vehicle is worth $100,000, then $85,000 needs to be insured as excess either under the plate registration or on a commercial auto policy.
There are a couple of additional coverages available for commercial vehicles. The first is the 14 day coverage which provides coverage up to two weeks for new vehicles that you may purchase. The second is non-owned automobile coverage. This provides coverage on vehicle that you don’t own but are using as a loaner vehicle in the interim.
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
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 Saskatchewan?
Just as businesses differ across Saskatchewan, 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
Review Your Insurance and Get a Quote with Westland
Our insurance advisors are here to help make the process of getting commercial auto insurance as easy as possible. Whether it’s over email, the phone or in person we are ready to help! To review your current insurance policies with one of our expert advisors, or 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 Saskatchewan Business Facts
- Saskatchewan has a diverse agriculture and agri-food sector. In fact, it’s world renowned for supplying quality agricultural ingredients and foods.
- The next time you reach for flour in a recipe, it most likely came from a Saskatchewan field. Farmers across the province count for over 54% of all the wheat crop in Canada.
- The world’s oldest running gold mine was discovered by a Saskatchewan farmer in 1906. Since coming across it while digging a hole with a plough, it’s still operating and is one of the largest gold mines globally.
- When you think of the Saskatchewan agricultural scene, breadbasket crops come to mind. However, 96% of lentils, 90% of chickpeas and 70% of dry pea crops grown in Canada came from SK fields.
- Fan of mustard on your hotdog or hamburger? Odds are that your favourite condiment came from Saskatchewan, producing over 150,000 tonnes in 2010.
- When you think of Saskatchewan, flat lands and prairie landscapes might come to mind. In fact, over 50% of the province is covered in dense forests. The commercial forestry zone has 11.7 million hectares, 5.3 million of which are classified as productive forest land.
- The Regina Symphony Orchestra is the longest continuously running orchestra in Canada since being founded back in 1904.
- Regina is home to Scotty the T-Rex, the largest known Tyrannosaurs rex in the world. Weighing in at just under 20,000 pounds you can visit Scotty at the Royal Saskatchewan Museum.
- Saskatoon has seen continued growth throughout the years, reporting 11,743 total licensed businesses. Saskatoon welcomed 1,365 new businesses in 2019.
- The province is an energy giant. It features the most diverse primary energy resource base throughout Canada.
Keep your business vehicles working for you
Whether you operate one work vehicle or manage a full fleet, Westland can help you review commercial auto insurance options for drivers, liability, vehicle damage, theft, downtime, and the way your Saskatchewan business uses vehicles every day.
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