Individually Rated Commercial
Auto Insurance
An individual approach
Individually rated commercial auto insurance helps drive your business further with coverage that fits the unique needs of each vehicle in your fleet.
What is Individually Rated Commercial Auto Insurance (IRCA)?
Individually rated commercial auto insurance provides tailored coverage for each vehicle in a fleet, ensuring that businesses receive specific protection based on the unique use and risk profile of each vehicle.
From delivery vans to service trucks, ATVs to executive cars, this personalized approach offers peace of mind that comes with knowing every vehicle has the protection it needs.
Types of coverage
Our tailored insurance solutions are designed to safeguard your business vehicles, drivers, and operations.
Key coverages include:
- Liability
- Damage to the vehicle (options include specified perils, comprehensive, collision or all perils)
- Accident benefits if there may be injuries due to an auto accident
- Claim forgiveness
- Loss of use due to a covered loss situation
- Non-owned vehicles – such as rentals
- Waiver of depreciation
Steer your business toward success.
Every vehicle in your business is important, and we understand the need for the right protection. Whether you’re insuring one vehicle or a whole fleet, our dedicated team is here to assist you every kilometre of the way.
Frequently asked questions
Find answers to common questions about individually rated commercial auto insurance.
What factors influence my premium?
Premiums are influenced by several factors, including your business type, vehicle use, claims history, and location. Working with an experienced broker can help you identify the best coverage options based on these and other unique variables.
How is my cargo covered?
Cargo coverage depends on the type of goods being transported and the specific risks involved. Discussing your cargo details with one of our brokers will help ensure you have the appropriate coverage for your business needs.
Have more questions?
Contact us for more information.