BC Commercial Auto & Fleet Insurance
Commercial auto coverage that keeps BC businesses rolling
There is a lot more riding on your commercial fleet than its cargo. At Acera Insurance, our dedicated BC commercial fleet insurance team can provide the best coverage options and rates for your business—no matter if you have a fleet of five vehicles or operate a long-haul trucking business across the country.
Commercial fleet insurance is important coverage that can protect your business, your employees and others on the road in British Columbia and beyond.
What does commercial fleet insurance in BC include?
Standard commercial fleet insurance provides third-party liability coverage for your business. Third-party liability coverage can help your business cover damage to vehicles and property if your driver is involved in an at-fault accident.
Your business may also want to add optional coverages to its fleet insurance policy, including:
Collision Coverage
Collision coverage is just like it sounds – it helps recuperate financial costs associated with a collision. Essentially, it can help cover the repair and replacement costs if your company vehicles are damaged in a collision.
Comprehensive Coverage
which can help cover repair and replacement costs if your company vehicles are damaged by something besides a collision. Commonly insured hazards include storms (i.e., hail damage), theft and vandalism, fire and falling objects.
There are several other optional coverages (called endorsements) that may be applicable to protecting your company’s fleet. Our expert insurance brokers can discuss these options with you and advise on the best coverage for your unique business needs.
Why choose Acera Insurance for BC commercial auto coverage?
We offer vital support for your business thanks to years of experience in commercial auto insurance.
Annual Fleet & Garage Insurance Review for BC Businesses
Each year at renewal, our BC insurance advisors conduct a thorough review of your commercial fleet or garage policy. We assess vehicle types, usage, and coverage needs to ensure your business is protected—and receiving the most competitive fleet insurance rates available across British Columbia.
Fleet Loss Report Review at Renewal for BC Companies
At renewal, insurers provide a detailed loss run report outlining all chargeable claims over the policy period. Our team will carefully review this report with you, explain any implications for your premium, and offer repayment strategies (if available) to help lower future insurance costs and improve your risk profile.
Dedicated Claims Support for BC Fleets and Garages
Our dedicated, in-house claims experts support BC-based businesses through complex or large-scale claims. We act on your behalf to ensure the process is smooth, timely, and fair—so your operations can get back on track with minimal disruption.
What type of BC businesses need fleet insurance?
You’ll want fleet insurance if you have five or more motorized vehicles registered under your business name and which are operated by your employees.
Common businesses that maintain a fleet of vehicles include, but are not limited to:
- Taxi service companies
- Car rental companies
- Delivery service companies
- Construction and other trades companies
- Transportation companies
Therefore, fleet insurance can provide protection for a wide range of vehicles, including:
- Cars
- Vans
- Buses
- Trucks
- Sport Utility Vehicles (SUV)
- Tractor Trailers
What are the benefits of commercial fleet insurance?
A commercial fleet policy is typically more affordable and convenient than trying to insure each of your business vehicles separately.
With commercial fleet insurance, you might be eligible to receive group or discounted rates, depending on specific considerations, such as claims history. As such, you can ensure all your business vehicles are protected, while receiving the same discount and a single renewal rate.
It’s also easy to update your policy with the addition or removal of vehicles from your fleet. That said, it’s important to discuss with your broker what is required when it comes to ensuring all your business vehicles are properly covered.
Working with an Acera commercial auto & fleet insurance broker in BC
For more than 60 years, Acera Insurance has been helping businesses in BC protect their operations, assets and employees.
Our professional and expert brokers specialize in commercial fleet insurance. They are backed by decades of industry experience and knowledge; they’ll work with you to determine the unique needs of your business and fleet so you can have confidence in your coverage.
As a full-service brokerage, Acera Insurance is also available to help your company navigate the claims process in the event of a loss. Our dedicated brokers will work with you every step of the way.
Discover the Acera Insurance difference for yourself. Get your free commercial fleet quote today.
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