Commercial Auto Insurance New Brunswick

Commercial Auto Insurance New Brunswick

Get maximum protection for business vehicles in New Brunswick with a customized commercial auto or fleet vehicle insurance policy.

Zensurance - New Brunswick Commercial Auto Insurance

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Commercial Auto and Fleet Coverage New Brunswick

Regardless of your industry or profession, collisions, car accidents, or unexpected damages to a vehicle can happen to anyone.

Moreover, drivers of commercial vehicles typically face a significant amount of risk because they usually travel long distances, are on the road daily for eight hours or more, and carry and transport expensive materials and equipment or people.

You need commercial auto or fleet vehicle insurance you can count on when problems arise, whether you’re a self-employed general contractor in Grand Falls, a restaurant owner in Saint John, or the owner of a moving company in Moncton.

Trust Zensurance to find the policy you need at an affordable price.

Frequently Asked Questions About Commercial Auto Insurance

What is commercial auto insurance?

Also called business car or auto insurance, commercial auto insurance covers the cost of your company’s vehicle or any vehicle used for business purposes from damage and loss, including cars, pickup trucks, vans, and trailers. It also includes coverage for driver injuries.

What does a commercial auto policy cover?

A standard or basic commercial auto insurance policy consists of four mandatory coverages. They are:


  • Third-Party Liability

Third-party liability coverage covers you if you injure another driver or damage their property with your vehicle. The minimum mandatory coverage limit is $200,000 for any one accident, but choosing a higher coverage amount is recommended.


  • Direct Compensation-Property Damage

Protection for damages to and loss of use of your vehicle and its contents if another motorist is at fault for an accident or collision that you collect directly from your insurance provider.


  • Accident Benefits

Accident benefits cover you and your passengers’ medical and rehabilitation bills if injured in an accident. It also includes funeral expenses, loss of income benefits, and death benefits if you or your driver are killed in an accident.


  • Uninsured Auto

If you’re injured and your vehicle is damaged by an uninsured motorist or because of a hit-and-run accident, this coverage pays for damages to your vehicle and covers the cost of your physical injuries.


Optional coverages:


  • Collision or upset

Collision coverage pays for damages to your vehicle when you are at fault for an accident with another vehicle or if you hit a stationary object.


  • Comprehensive

Covers the cost of a broad range of damage and loss to your vehicle, including theft, vandalism, fire, hail and severe weather, and flying or falling objects.


  • All perils

All perils insurance is a combination of collision and comprehensive coverages.


  • Employers’ Hired and Non-Owned Auto Liability

Coverage for vehicles your business does not own but rents or leases or vehicles owned by your employees used for business purposes.


If your business regularly stores customer vehicles, you may require a garage liability insurance policy.

How much does commercial auto insurance cost?

What your commercial auto policy costs depends on a variety of factors insurance providers consider, including:

  • The make, model, and year of the vehicle you drive
  • The location of your business
  • Your driving record and years of experience as a motorist
  • The number of kilometres the vehicle travels annually 
  • Where the vehicle is regularly parked or stored
  • What the vehicle is used for (transporting goods, people, or both)
  • Your business’s auto insurance claims history
  • What your policy’s coverages are, their limits, and the deductibles
What’s the difference between commercial auto and fleet insurance?

Commercial auto insurance is designed to protect one vehicle. A commercial fleet insurance policy covers five or more vehicles. Both types of coverage apply to vehicles owned by businesses or self-employed contractors.

Coverage Requirements in New Brunswick

According to New Brunswick’s Insurance Act, among the standards all owners of commercial vehicles operating in the province are required by law to fulfill and uphold include:

  • All business vehicles and trailers must be registered in the province and undergo an annual safety inspection.
  • All business vehicles must have a valid commercial auto insurance policy containing the mandatory coverages and limits set by the province.
  • Your business’s commercial vehicle must have a valid motor vehicle permit and licence plates.

Commercial Auto Claims Examples

commercial vehicle accident

Problem: While stopped at a busy intersection in downtown Fredericton, another motorist accidentally rear-ends your pickup truck, damaging the bumper and injuring your back and neck.

Outcome: Your commercial auto insurance policy’s direct compensation-property damage coverage may pay for the repairs to your pickup, while your accident benefits cover the cost of your medical and rehabilitation expenses.

broken windshield from storm

Problem: You park your real estate business’s SUV outside your office in Dieppe. Overnight, a sudden hail storm cracks the windshield and dents the vehicle’s hood.

Outcome: Your commercial auto insurance policy’s optional comprehensive insurance may pay to replace the cracked windshield and repair the damaged hood on your SUV.

commercial truck driver

Problem: An employee of an auto parts supplier in Sackville runs a red light and collides with another vehicle entering the intersection, damaging the car and injuring its driver. Your employee is deemed to be at fault for the collision.

Outcome: Your commercial auto policy’s third-party liability coverage may cover the cost of the injured driver’s medical and rehabilitation expenses, and your optional collision or upset coverage may pay to repair their vehicle.

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Ready to start? Let’s get a quote!

Fill out an online application for a free quote from Zensurance. It’s quick and easy, and the premiums we get our customers may be up to 35% less than what any of our competitors offer.

Our friendly brokers can answer your questions and advise you on the types of coverage and limits your policy should have.