Commercial Auto Insurance

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Commercial Auto Vehicles Saskatchewan
HWI / Business Insurance / Commercial Auto Insurance

Commercial Auto Insurance: Protecting You in Saskatchewan

Whether you’re hauling tools to a job site or managing a fleet of delivery trucks, your vehicles are the backbone of your business. We’ll help you find the right coverage for your specific use to keep your operations moving forward.

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What Does Commercial Auto Insurance Cover?

Your commercial auto insurance policy can provide these essential protections:

 

Listed Perils Auto Coverages List

Commercial Deductible Options

For commercial fleets and heavy trucks, options are much broader than personal policies:

Vehicle Type Deductible Range
Light Vehicles (Class LV, C, D) $100 to $700
Heavy Trucks & Power Units $100 to $15,000
Commercial Trailers Up to $15,000 (depending on plate type)

Note: Deductibles are typically waived for claims involving fire, lightning, or theft of the entire vehicle [Cited by SGI CANADA]

Replacement or Repair Cost

Protect your investment in new equipment. This coverage ensures you aren’t hit with depreciation if a new vehicle is written off or damaged shortly after purchase.

Eligibility Update: As of March 2025, Replacement Cost coverage is available for vehicles with a purchase price up to $200,000 [SGI CANADA].
  • Coverage Duration: Up to 60 months (5 years) from the original delivery date.
  • Broad Protection: Covers collision, fire, theft, and environmental damage (hail/wind) for the first 24 months.

Essential Business Add-Ons

Road Hazard Glass: Lower your deductible for stone chips and cracks. A new $500 deductible option is now available to help manage costs for heavy commercial windshields [SGI CANADA].

Loss of Use: If your vehicle is out of service due to a claim, your business stops. Some insurers offer limits up to $12,000 for heavy trucks and trailers to help cover rental costs or “downtime” charges for non-owned vehicles.

Third Party Liability

In simple terms, third-party liability protects your business if one of your vehicles is involved in an accident that causes injury to other people or damage to someone else’s property (like their car, a building, or a guardrail). If your business is sued for these damages, this coverage helps pay for legal fees and settlements.

While the basic Saskatchewan license plate provides $200,000 in coverage, most businesses carry $1 million to $5 million in excess coverage to protect their assets from a major lawsuit.

Approved Driver Warranty: For high-exposure operations (like hauling dangerous goods or regular travel into the U.S.), your drivers must be screened and approved by underwriters to ensure your liability coverage remains valid.

BUSINESS

Group Benefits & Savings Plans

Whether you have two employees or two hundred, we can help you build a flexible plan that covers prescription drugs, dental, vision, and mental health support.

We also offer Health Spending Accounts (HSA) to give your staff the flexibility they value.

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Fleet Management Program Info

Our Fleet Management program is designed to simplify your vehicle renewals and give you expert guidance, so you can stay focused on running your business.

  • Proactive Monitoring: We regularly monitor your plate renewals and provide proactive monthly communication so you never miss a deadline.
  • Priority Assistance: Get streamlined support for adding new plates, renewing current registrations or handling cancellations.

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We provide tailored auto solutions for a wide range of business operations:

Carpentry & Framing

Trades & Contractors

For plumbers, electricians, and landscapers: protect the vans and trucks you use to haul your tools and equipment.

Cargo Insurance

Transport & Hauling

From gravel trucks to long-haul power units. We can help handle the complex liability limits required for carrying goods.

Box Truck Delivery

Delivery & Courier

Whether it’s retail delivery or wholesale distribution, we ensure your delivery vans have coverage for physical damage and liability.

Passenger Transport

Passenger Transport

Specialized fleet insurance for taxi companies and shuttle services. Ensure your passengers and drivers are fully protected.

Frequently Asked Questions

What is the difference between my license plate insurance and a Commercial Auto policy?

In Saskatchewan, your license plate provides basic $200,000 liability and a standard $700 deductible. However, this is often insufficient for business risks. A Commercial Auto policy increases your liability (often to $1M–$5M).

How do I know if my vehicle needs to be rated for commercial use?

Generally, if you use your vehicle for more than just commuting, you likely need a commercial rating. Key indicators include hauling tools or equipment for a trade, making deliveries, transporting passengers for a fee, or driving for business purposes beyond a 160 km radius. Using a personal policy for commercial activities can lead to a denial of your claim.

What liability limits are required for hauling dangerous goods?

For standard freight, $1 million is often the baseline requirement. However, if your business hauls dangerous goods, SGI typically requires a minimum of $2 million in third-party liability.

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