Default Test Message - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse dapibus, ante a dignissim luctus

Get a Quote

FR

Home Insurance

Condo Insurance

Renter's Insurance

Seasonal Property Insurance

Mobile Home Insurance

Car Insurance

Motorcycle Insurance

RV Insurance

Boat Insurance

ATV Insurance

Snowmobile Insurance

Vehicle Replacement Insurance

Business Insurance

Business Life Insurance

General Liability Insurance

Commercial Property Insurance

Directors & Officers Liability Insurance

Rental Property Insurance

Legal Protection Insurance

Errors & Omissions Insurance

Cyber Liability Insurance

TotalProtect Insurance

Fleet Insurance

Farm Insurance

Product Liability Insurance

Employee Benefits

TotalGuard Insurance

All Insurance Programs

AMM Insurance Program

CRA Insurance Program

CVMA Insurance Program

Crop Inputs Insurance Program

Hospitality Insurance Program

Juno Restaurant Insurance

Musical Instrument Insurance Program

Independent Retail Insurance Program

CAMA Insurance Program

Biz Benefits Partnership

Life Insurance

Disability Insurance

Critical Illness Insurance

Mortgage Life Insurance

TFSA

GICs

RESPs

RRSPs

Travel

MyWestern

Payment Setup

Registry Services

Personal Insurance Claims

Commercial Insurance Claims

Risk Management

Who We Are

Executive Team

Divisions

Partners

Western Coast Insurance

Wyatt Dowling Insurance

Sustainability

Diversity, Equity and Inclusion

Western News

Blogs

Careers

Contact

Our Giving Programs

About the Foundation

Annual Giving Reports

FAQs

Sponsorship

Foundation Contact

Your donation will help improve local communities.

Donate

Find a Broker

Get a Quote

FR

Home Insurance

Condo Insurance

Renter's Insurance

Seasonal Property Insurance

Mobile Home Insurance

Car Insurance

Motorcycle Insurance

RV Insurance

Boat Insurance

ATV Insurance

Snowmobile Insurance

Vehicle Replacement Insurance

Business Insurance

Business Life Insurance

General Liability Insurance

Commercial Property Insurance

Directors & Officers Liability Insurance

Rental Property Insurance

Legal Protection Insurance

Errors & Omissions Insurance

Cyber Liability Insurance

TotalProtect Insurance

Fleet Insurance

Farm Insurance

Product Liability Insurance

Employee Benefits

TotalGuard Insurance

All Insurance Programs

AMM Insurance Program

CRA Insurance Program

CVMA Insurance Program

Crop Inputs Insurance Program

Hospitality Insurance Program

Juno Restaurant Insurance

Musical Instrument Insurance Program

Independent Retail Insurance Program

CAMA Insurance Program

Biz Benefits Partnership

Life Insurance

Disability Insurance

Critical Illness Insurance

Mortgage Life Insurance

TFSA

GICs

RESPs

RRSPs

Travel

MyWestern

Payment Setup

Registry Services

Personal Insurance Claims

Commercial Insurance Claims

Risk Management

Who We Are

Executive Team

Divisions

Partners

Western Coast Insurance

Wyatt Dowling Insurance

Sustainability

Diversity, Equity and Inclusion

Western News

Blogs

Careers

Contact

Our Giving Programs

About the Foundation

Annual Giving Reports

FAQs

Sponsorship

Foundation Contact

Get a Quote

Find a Broker

Fleet insurance

June 5, 2019. As a business owner, you are probably aware that you require commercial insurance for your company vehicles because your personal auto insurance policy is not required to provide coverage if your vehicle is used for commercial purposes.

Commercial auto insurance is necessary for your business because it provides protection if there is an accident involving a company vehicle and employee. If your business uses several vehicles, commercial fleet insurance could be right for you. It is likely more efficient and cost-effective to insure all company vehicles under one fleet policy with one renewal date.

Types of fleet car insurance?

Like with personal auto insurance, there are mandatory and optional types of insurance available.

Third party liability insurance is required by law and covers damage or injury caused to others by your company vehicle. It does not cover injury or damage to you or your vehicle.

This type of insurance protects you in case an employee who is driving your company vehicle is injured or killed by a hit and run or uninsured driver who is determined to be at fault for the accident. Uninsured driver coverage is also mandatory.

Accident benefits coverage is mandatory and covers medical expenses, loss of income, and funeral expenses resulting from a collision involving your employee and a company vehicle.

Collision insurance covers damage to your vehicle caused by a collision. It does not cover legal or medical expenses or damage caused by something other than a collision.

Comprehensive insurance covers many other types of damage, such as fire, hail, theft, and vandalism. It also covers medical and legal costs.

How are fleet insurance rates determined?

Several factors can impact your insurance rate and you can keep your premium low by not having many claims on your record, employing experienced drivers, and encouraging good driving habits through training courses. Some factors that are used to determine your rate are:

General rules for fleet coverage

Get a Quote

July 10, 2024

July 8, 2024

July 4, 2024

Bundle car and home to save

2024 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Sitemap