Calgary Commercial Auto Insurance

Your company vehicle helps you run your business efficiently. Did you know that if you drive a vehicle for work purposes, you need a different type of insurance than you’d get for your personal vehicle? A business is subjected to a different set of risks than an individual who drives a car for non-commercial use.

You’re out on the roads every day. Make sure you’re covered with an auto policy that suits the needs of your business. At Westland Insurance, we’ll help you find an affordable insurance plan that provides proper coverage. Whenever you have a question about commercial vehicle insurance, we’ll be here to help.

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Who Needs Commercial Auto Insurance?

If you use a car for business purposes, you should consider commercial vehicle insurance. Even the most profitable businesses may get into financial trouble after a car accident. Insurance is a smart way to protect your business against unexpected costs and manage liability risks.

What Vehicles Are Covered Under Commercial Auto Insurance?

If you use a car, truck, or van for work purposes, that vehicle will be eligible for business auto insurance. “Work purposes” doesn’t include vehicles that you drive to work; this insurance is for cars that you drive for work. For example, a plumber may use a van to store their tools and drive to client houses.

What Is Commercial Auto Insurance Used For?

Repairing damage on company vehicles can be costly. Not only do you need to pay for repairs, but each day your car is out of service, it interrupts your business operations. You can use commercial auto insurance to avoid paying out of pocket for damage to your company vehicle.

Commercial Automobile Insurance Coverage Costs

The cost of a commercial auto insurance policy varies from business to business. A few main factors that affect your monthly premiums include:

  • Location
  • Types of vehicles
  • Nature of business
  • Claims history
  • Number of vehicles
  • Driver experience

What Does Commercial Auto Insurance Cover?

Here’s what you can expect from a standard auto commercial insurance policy. Keep in mind that your specific coverage will differ depending on your policy limits and insurance provider.

If the driver of your company vehicle causes an accident, this policy will offer financial reimbursement. Third-party liability insurance provides reimbursement for property damage, bodily injuries, and legal defence costs.

This policy covers the costs for anyone involved in an accident (passengers, pedestrians, and drivers) regardless of who is at fault. It includes coverage for bodily injury, medical and rehabilitation expenses, funeral costs, and death benefits.

With collision coverage, you can protect your vehicle against physical damage (hitting another car or being hit by an object). On the other hand, comprehensive insurance protects you against non-collision risks, including fire, vandalism, flood, or other perils.

If you manage a large group of business vehicles, consider this policy; it provides coverage for an entire fleet of vehicles. When you enroll in a fleet plan, you’ll enjoy premium discounts, common expiry & anniversary dates for owned/leased vehicles, and greater convenience with managing your fleet insurance.

Request an Insurance Quote Today!

Protect your company vehicles with a commercial vehicle insurance policy. Need help finding the right coverage for your business? At Westland Insurance, our services are available in:

Our expert insurance advisors will help you find coverage options that meet the needs of your business. To request an insurance quote, contact us today!

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