What vehicles require Commercial Auto Insurance in Manitoba?

Vehicles used for business purposes often require commercial coverage. Specific examples include large trucks (over 4,500 kg), semi-trailers, couriers, taxis/Ubers, and vehicles operating more than 161 km outside of Manitoba.

What is MPI Special Risk Extension (SRE)?

SRE is a specialized MPI program for commercial vehicles that fall outside standard Autopac limits. It covers long-haul trucking, fleets, and heavy commercial vehicles, offering higher liability limits and cargo protection.

Can I insure a fleet of vehicles together?

Yes. Businesses with multiple vehicles can set up a Fleet Policy. This simplifies administration with a common expiry date and potential fleet discounts. R.A. Hughes can help structure your fleet policy for maximum efficiency.

Commercial Auto Insurance Winnipeg - R.A. Hughes Insurance

Looking for commercial auto insurance in Winnipeg? Visit R.A. Hughes Agencies today. Located in the Dominion Centre, in the heart of St. Boniface’s commercial area, we’ve been serving businesses in St. Boniface and throughout Winnipeg for almost 100 years.

We know how important it is to protect your business—we’re business owners ourselves. We work with trucking companies, taxi companies, dealerships, couriers, small and medium-sized businesses and any business looking to protect its vehicles and drivers.

Coverage Details

Commercial auto insurance is similar to personal auto insurance. You can expect your commercial auto insurance policy to cover:

Your vehicle

Liability claims that occur as a result of legally operating a vehicle

Vehicle coverage protects your vehicle if it gets damaged, stolen, or vandalized.

Liability insurance protects you if a vehicle you are legally driving with permission injures someone or damages someone’s property, and you are found liable.

The coverages under commercial auto insurance help protect business owners and operators of vehicles that cannot be covered under traditional Autopac policies.

Personal Vs. Commercial Auto Insurance

Most vehicles are covered under personal auto insurance policies—even vehicles used for business are commonly covered under personal auto insurance plans. The insurance policies Manitoba Public Insurance (MPI) offers for personal vehicles are known as Autopac policies.

Commercial auto insurance exists to protect vehicles that have special risks. Commercial insurance policies are handled by Autopac or by MPI’s Special Risk Extension (SRE) program. Vehicles that may need commercial insurance include:

Large trucks—those with a gross vehicle weight over 4500 kg

Common carrier buses

Commercial trucks with a gross vehicle weight above 11,974 that operate beyond a 161 km radius outside of Manitoba

Semi-trailers

Fire department vehicles

Fleet vehicles

Passenger vehicles for hire (Uber, taxis, etc.)

Ambulances

Police vehicles

Hearses and limos—funeral and wedding vehicles

Courier and messenger vehicles

Common carriers operating within 161 km outside of Manitoba

And more

To understand whether or not your vehicle needs to be insured by a commercial auto insurance policy, it’s best to speak with a business broker. They can help you find the best policy for your vehicle and help you determine whether or not some or all of your insurance needs to be covered by MPI’s SRE coverage.

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How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance coverage varies substantially depending on the type of vehicle you’re driving and its usage. To determine the cost of commercial auto insurance, it’s important to speak to an insurance broker.

Your Winnipeg insurance broker can help you find the right coverage for your vehicle. With commercial insurance, you can modify the amount of third-party liability insurance, vehicle insurance, personal property insurance, and cargo insurance available to you.

Get a Quote Today

The insurance brokers at R.A. Hughes Agencies are commercial auto insurance experts. We’ll help you find the right insurance solution for your business needs—we offer commercial auto insurance as part of a broad suite of business insurance products. Keep yourself, your team, and your business protected while on the road—get a commercial auto insurance quote from R.A. Hughes today!

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Secure Your Business with Our Commercial Auto Insurance

Safeguard your business assets and operations with our reliable commercial auto insurance coverage.

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Protect your business on the road with our tailored commercial auto insurance. Our comprehensive coverage ensures your fleet and drivers are safeguarded against unexpected events. Get a personalized quote today and drive with confidence knowing your business is protected.

Expert Assistance:

Navigating commercial auto insurance can be complex, but our experts are here to help. With personalized advice and tailored solutions, we ensure you get the coverage you need. Contact us today for expert assistance and secure your business on the road.

Commercial Auto Insurance Winnipeg

Coverage Details

Personal Vs. Commercial Auto Insurance

How Much Does Commercial Auto Insurance Cost?

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Secure Your Business with Our Commercial Auto Insurance

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