Commercial Auto Insurance
Take care of your fleet.
If you use vehicles for your business, our team is here to help you get the right coverage, and save you time and money.
Your guide to commercial auto insurance.
Let us take care of your company’s vehicle fleet insurance so your organization can focus on what you do best. By bundling your vehicles together, you’ll be able to get better discounts and you won’t need to list drivers on your policies. Plus you’ll have similar expiry dates for all your owned and leased vehicles so you’ll save time and energy tracking them.
Businesses we serve:
- Dealerships and rental companies
- Delivery companies across Canada and the USA
- Municipalities
- Trucking companies
- Construction companies
- Logging companies
- Any company that operates more than 5 vehicles
Supporting businesses across Canada.
Get your commercial auto insurance by phone or in person at your nearest location.
Common commercial auto coverage types.
Basic ICBC Autoplan
Our team can manage your fleet’s ICBC Autoplan coverage and renewals directly.
Income Top-up
The income replacement benefit is available to all British Columbians who earn over $113,000 per year and are unable to continue working as a result of an injury from a crash.
Hit and Run – Vehicle Damage Coverage
ICBC’s hit-and-run coverage pays up to $200,000 for vehicle damage caused by an unidentified driver that leaves the scene of the crash. If you have collision coverage under ICBC, vehicle damage caused by hit and run is already included.
Private Insurance Options
All vehicles in BC must have Basic ICBC Autoplan, but for optional coverages like comprehensive, collision, and extended third-party liability we have access to private insurers that may provide lower rates or enhanced coverage.
Third-Party Liability
This insurance protects your business from legal and financial responsibilities if your vehicle causes bodily injury or property damage to others. It can help pay for medical expenses, legal fees, and damages awarded in a lawsuit.
Physical Damage Coverages
This insurance contains two coverages: collision and comprehensive. Collision pays for repairs to your vehicle if it’s damaged in an accident, regardless of who’s at fault. Comprehensive coverage protects against non-collision-related damages like theft, vandalism, fire, and natural disasters. Together, they ensure that your business vehicles are protected from a wide range of potential damages, minimizing downtime and repair costs.
Why choose Acera Insurance for commercial auto coverage?
We offer vital support for your business thanks to years of experience in commercial auto insurance.
Comprehensive Fleet & Garage Analysis
Each year upon renewal our advisors conduct a thorough review of the fleets’ vehicles, use and coverages to ensure your business is getting the best possible insurance rates.
Fleet Renewal Loss Report Review
At time of renewal, insurers will provide a loss report which lists chargeable claims. We will always provide an examination of these claims and give repayment options if available and benefit financially.
Dedicated Claims Support
Our dedicated, in-house claims team is here to assist with complex claims on your behalf. They’ll work to ensure the claim is settled fairly, quickly and efficiently.
Helpful tips from our advisors.
Our advisors have decades of experience and specialized expertise in commercial auto insurance and are here to help you any way they can.
Business insurance insights for your everyday.
-
Geopolitical and business risk trends for 2026: A Canadian perspective
Trade rules, sanctions, cyber escalation, supply availability and financing conditions are shifting faster than annual planning cycles. As a result,…
-
Managing geopolitical risk in 2026: Technical frameworks for Canadian organizations
In 2026, geopolitical risk isn’t a periodic external shock. It’s embedded, showing up as policy constraint and correlated disruption across…
-
Risk transfer strategy for Canadian businesses facing geopolitical risk
In the wake of geopolitically driven disruption across supply chains, cyber, contracts, and capital, insurance can no longer be treated…