🚚 Commercial Auto vs. Personal Auto: When a Fleet Policy Is Needed 🇨🇦
Across Canada, many businesses depend on vehicles to keep operations moving—whether it’s a handful of company cars or a fleet of delivery trucks. The question is: when does personal auto insurance fall short, and when should a business turn to commercial or fleet coverage?
⚡ Personal Auto Insurance
Personal policies are designed for everyday driving—commuting, errands, and personal travel. While some may allow occasional business use, they don’t provide the level of protection required for ongoing commercial activity.
🏢 Commercial Auto Insurance
Commercial coverage applies to vehicles primarily used for business purposes, such as deliveries, transporting goods, or visiting job sites. It safeguards not only the driver but also the business itself against liability, accidents, and property damage.
🚛 Fleet Policies
When a business operates five or more vehicles (in most provinces), a fleet policy may be the most efficient solution. Key advantages include:
- One policy covering all vehicles 🚗🚙🚛.
- Consistent protection across the fleet.
- Potential cost savings through group rating.
- Flexibility to add or remove vehicles as operations grow.
📌 Why It Matters
Relying on a personal auto policy for business use can leave dangerous gaps in coverage. If an accident occurs while a vehicle is being used for work, the insurer may deny the claim. For businesses in B.C. and across Canada, a commercial auto or fleet policy ensures compliance, protection, and peace of mind.
✅ The Takeaway
If your business relies on vehicles—especially multiple ones—it may be time to consider a fleet policy. It can simplify management, reduce costs, and strengthen your overall protection.
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