Gross Vehicle Weight

The Gross Vehicle Weight or (G.V.W) of a vehicle is defined as the curb weight of an automobile plus the maximum load capacity specified on the vehicle ownership as the registered gross weight.

  • Light Weight Vehicles have a G.V.W of 4500 kgs/10,000 lbs or less
  • Heavy Weight Vehicles have a G.V.W exceeding 4500 kgs/10,000 lbs

List Price New

The retail price new including taxes and permanently attached equipment.

Radius & Area of Operation

The radius of operations from the home base of the vehicle and the location(s) in which the vehicle routinely operates will impact the cost of insurance.

Driver Experience

Operator experience with the size and type of vehicle as well as their experience operating the vehicle on its intended use. The conviction and claims record of the operator will also be considered.

Discounts

Multiple policy

Multiple vehicle discounts

Conviction free discounts

Your discounts can be maximized by combining all of your insurance needs with one insurance broker.

Secondary Homeowners

This package of insurance coverage is identical to a Homeowners, except that the dwelling is owned by one family member and occupied by another immediate family member.

Vehicle Use & Purpose

Read below to determine if your vehicle use is applicable.

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Artisan Use

Vehicles in this category will be light weight commercial type automobiles that are not used to pick up and/or deliver materials to a job site. They are used mainly to transport tradesmen and their tools to the job site, and are generally immobile during business hours. This category does not allow for delivery and limits personal use of the vehicle to 10% of the time it is driven. We can help you to develop the best commercial auto insurance program for your business needs.

Farm Use

Commercial farm rates apply only to vehicles that are used almost exclusively on farm property, with limited public road exposure. There must be no retail or wholesale delivery of produce or animals to market, otherwise regular commercial rates apply (i.e. Market Gardener, Feed Mill, Livestock, etc.). Farm rates are low in order to reflect the minimal exposure anticipated. They are applicable only where the truck and private passenger automobile are insured in the same company, or where the truck is over 4500 kgs G.V.W.

Farm Trucks (Retail/Wholesale Delivery)

Many farmers have seasonal or occasional wholesale or retail delivery, which often take place during harvest and planting seasons. This would normally result in amending the vehicle from a Farm Use rating to a higher cost wholesale or retail delivery rating.

Seasonal Delivery

These are deliveries that occur during specific times of the year, according to the nature of the farming operation. Otherwise, vehicles are largely immobile and used exclusively on farm property with limited public road exposure for the rest of the year.

Some of our Insurers have developed an alternative to this rating shift that will allow the involved vehicle to be rated for farm use & have a surcharge applied for the delivery exposure.

Business Types

Read below to determine if your business type is applicable.

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Retail Delivery

Retail delivery is defined as the final shipment of the product to the end user of the product. The delivery often involves a single item on an on demand basis, and the product being delivered is sold to the end user by the owner of the vehicle making the delivery. The type of product, the type and size of vehicle used, and the distance traveled will impact the cost and availability of commercial auto insurance. We can help you to develop the best commercial auto insurance program for your business needs.

Wholesale Delivery

Wholesale delivery is defined as the bulk distribution of product prior to the retail sale or delivery. The delivery schedule usually involves set routes and scheduled times for delivery and the product being delivered is sold to the “wholesaler” by the owner of the vehicle making the delivery. The type of product, the type and size of vehicle used, and the distance travelled will impact the cost and availability of commercial auto insurance. We can help you to develop the best commercial auto insurance program for your business needs.

Long & Short Haul Trucking

Truckman that deliver goods either on a retail or wholesale basis for others are primarily rated on the basis of the distance and the jurisdiction that they travel to complete their delivery. The type of cargo and vehicle used to transport it are also important factors in determining the availability and cost of insurance. Long haul trucking out of the province to either the United States or other Canadian provinces will have implications on the availability of insurance. We can help you to develop the best commercial auto insurance program for your business needs.

Fleet Rating

Fleet rating is another method that can be used to determine the cost of insuring your commercial vehicles. The premium developed will, in most cases, be less expensive than if the insured vehicles were rated on their individual exposure.

In order to qualify for fleet rating, a business or individual must have a minimum of five self-propelled vehicles that have common ownership and are used for a business purpose. Motorcycles, ATV’s or snowmobiles cannot be included a fleet rating.

Contact us if you feel that you may qualify for a fleet rating.

Garage Auto Insurance

Commercial operations such as auto sales and repair garages, car parks, car washes, and valet services, to name a few, should have a garage auto insurance policy.

This policy protects the owner of the business while they may be operating or in possession of their client’s vehicles, as part of the service provided by
their business. This policy can be extended to provide protection to owned vehicles used in the business such as service vehicles, loaner vehicles, and
vehicles held for sale.

Contact us if you would like more information on a Garage Auto Insurance Policy.

Specialty Commercial Auto

Commercial auto protection for businesses such as taxi and limousine service, tow truck operators, vehicle daily rental service, or a business that offers long-term leasing of vehicles have unique insurance needs that we can help you to understand.

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