Commercial Auto Insurance for Couriers
Couriers are constantly on the road. For this reason, getting the right commercial auto insurance is very important and should be taken very seriously. As commercial auto insurance broker, this is where we can help!
Car Insurance for Couriers
Couriers
As with many businesses in Ontario, the mail delivery industry is booming. Becoming a courier can be very lucrative but the work is not easy. If you decided to become an independent courier or are starting up a mail courier business, you will require commercial auto insurance for your vehicle. Personal auto will simply not cover it.
Insurance Companies Are Very Strict
This will likely be one of your most important policies since 90% of your business is in a vehicle. You need to be properly insured with accurate limits and correct endorsements. It is also vital that your vehicle class on your insurance policy is for couriers, having a standard commercial auto policy with a general commercial class is not correct.
Many insurance companies are very strict when it comes to insuring couriers so be sure to have the correct coverage to avoid large potential errors.
Quote for Couriers
If you are looking for a commercial auto insurance quote for courier use, please speak to Filip Ambroziak by calling (416) 803 – 2113 or emailing him at filipa@pbnet.ca.
As mentioned earlier, insurance companies are extremely strict with the courier class so it is vital to insure it properly.
FAQ
Frequently Asked Questions:
Yes, Filip Ambroziak is a RIBO (Registered Insurance Brokers of Ontario) licensed Insurance Broker. His License is 39091 and can be searched at the RIBO Directory.
The goal of an insurance broker is to keep you covered and ensure that you qualify for your policy.
Any changes to your business such as a new driver, change of address or a change in your general business needs to be advised to your broker.
If your business has at least 5 vehicles, you will qualify for fleet insurance coverage. These policies are more flexible and generally offer better rates than individual rated commercial autos (IRCA).
IF you have a fleet of vehicles, please call Filip Ambroziak directly at 416 803 2113 or email him at filipa@pbnet.ca.
A commercial fleet policy requires at least 5 vehicles used for the business.
Insurance companies will also have different eligibility criteria such as years of prior insurance or driver ages.
Generally, most Couriers do require Cargo insurance for their fleet of vehicles as they carry products that normal Fleet insurance would not cover.
Cargo insurance can be added to a fleet policy at an additional cost.