Fleet & Auto Insurance Built for How Your Business Operates
From single vehicles to large fleets, we help protect your drivers, vehicles, and operations with coverage structured around your business.
What We Cover
We provide tailored fleet and auto insurance solutions, including:
- Commercial Fleet Insurance
- Commercial Auto Insurance (single or multiple vehicles)
- Physical Damage Coverage
- Third-Party Liability
- Cargo Coverage (where applicable)
- Non-Owned Auto Liability
- Umbrella & Excess Liability
Commercial Fleet & Auto Insurance
Fleet and commercial auto insurance is designed for businesses that rely on vehicles as part of their operations.
This includes:
- Service vehicles and work trucks
- Transportation and logistics fleets
- Contractor and trade vehicles
- Delivery and distribution vehicles
Coverage is structured based on vehicle type, usage, radius, driver profile, and operational exposure.
We work with you to ensure proper limits, vehicle classification, and risk structure — helping avoid gaps that can lead to significant exposure in the event of a loss.
Who We Work With
We support a wide range of businesses that rely on vehicles, including:
- Transportation and trucking companies
- Contractors and trades
- Service-based businesses
- Manufacturing and distribution companies
- Agricultural operations
- Multi-location and cross-provincial businesses
From small fleets to large, complex operations, we structure programs that scale with your business.
Common Risks & Considerations
Fleet and auto insurance involves more than just insuring vehicles. Key considerations include:
- Driver experience and safety records
- Vehicle usage and operating radius
- Cross-provincial and cross-border exposure
- Rising liability limits and claim severity
- Fleet size and growth
- Integration between public and private systems
Ensuring your program reflects these factors is critical to managing both risk and long-term cost.
Operational Areas We Consider
A strong fleet and auto insurance program takes into account the full scope of your operations, including:
- Vehicle types and usage
- Number of drivers and driver profiles
- Geographic operations (local, regional, cross-border)
- Claims history and loss trends
- Regulatory requirements by province
- Growth and expansion plans
We take a practical approach to understanding how your vehicles are used so your coverage aligns accordingly.
Auto Insurance Coverage for Canadians
ICBC (British Columbia) – Autoplan & Commercial Fleet
In British Columbia, basic auto insurance is provided through ICBC, with optional coverages layered on top through brokers.
For commercial clients, this includes:
- ICBC fleet and commercial Autoplan programs
- Optional liability and physical damage enhancements
- Integration with private market coverage where applicable
We have direct access to ICBC commercial programs and work with businesses to structure coverage that aligns with fleet size, operations, and risk profile.
MPI (Manitoba) – SRE Fleet Program
In Manitoba, commercial auto operates under MPI’s Special Risk Extension (SRE) framework for larger and more complex risks.
This allows for:
- Customized fleet rating based on loss experience
- Structured coverage for trucking and commercial operations
- Greater flexibility for larger or specialized fleets
We have significant experience working within the MPI SRE system and help clients navigate program structure, rating, and long-term cost management.
Private Auto Insurance (Alberta & Other Provinces)
In provinces such as Alberta, auto insurance operates within a private market system.
This allows for:
- Greater flexibility in underwriting and pricing
- Broader market access across insurers
- Custom program structuring for fleets and commercial risks
For businesses operating across multiple provinces, we help coordinate coverage across public and private systems to ensure consistency and avoid gaps.
Why Choose Coughlin Insurance?
We don’t just place fleet insurance — we help build programs that support your operations and growth.
Experience structuring fleet and auto programs across multiple provinces
Direct access to ICBC commercial Autoplan programs (BC)
Strong expertise within MPI’s SRE framework (Manitoba)
Access to private market insurers (Alberta and beyond)
Ability to coordinate coverage across different provincial systems
Practical advice focused on risk management and long-term cost control
Frequently Asked Questions
What is fleet insurance?
Fleet insurance covers multiple vehicles under a single policy, typically with structured pricing and management.
How does ICBC differ from private auto insurance?
ICBC provides basic coverage in BC, while optional coverages and other provinces operate through private insurers.
What is MPI SRE?
SRE (Special Risk Extension) is a program in Manitoba that allows for customized rating and coverage for larger or more complex risks.
Can I insure vehicles across multiple provinces under one program?
Yes — but it requires coordination between public and private systems, which we help manage.
What impacts fleet insurance pricing?
Driver experience, claims history, vehicle type, usage, and operating radius all play a role.
Let’s build a fleet and auto program that protects your vehicles, your drivers, and your business.
