Commercial Auto/Cargo Insurance

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Commercial Auto/Cargo Insurance

Moose Jaw Commercial Auto/Cargo Insurance

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Commercial Auto Insurance

Saskatchewan basic vehicle registration/plate insurance deductible is $700 and liability coverage is $200,000.

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Local Coverage for Commercial Vehicles That Keep Moose Jaw Moving.

Protect your business on the move with reliable Commercial Auto and Cargo Insurance solutions tailored for companies operating in Moose Jaw and across Saskatchewan. Whether you’re hauling equipment, transporting goods, or running a fleet of service vehicles, having the right commercial insurance coverage is essential.

Our Auto and Cargo Insurance plans are designed to safeguard your vehicles, drivers, and the valuable cargo they carry. We help Moose Jaw businesses find coverage that meets industry requirements, protects against unexpected losses, and minimizes downtime after an accident or theft. From local deliveries to long-haul transportation, our commercial insurance brokers can customize a policy that fits your business operations and budget.

Need help navigating the options? Contact us today to learn more about Moose Jaw commercial insurance options, including Auto and Cargo Insurance plans that keep your business moving forward with confidence.

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Moose Jaw Commercial Auto/Cargo Insurance

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Covers rental vehicle insurance in Canada and the United States only (if you add Loss of Use coverage option).

Covers wildlife damage with a $0 deductible (if you add the waiver of deductible option)

Covers vehicles that are in storage or when plates expire and the vehicle is parked

Lowers your deductible for collision and comprehensive

Increases liability from $1,000,000 to $5,000,000 and optional Umbrella for up to $10,000,000

Free rock chip repairs (with certain deductibles) and lower your deductible for glass replacement

Covers the cost of a rental vehicle, of similar type to the insured vehicle on the policy, if the vehicle is damaged by a loss that is covered by your auto policy (if you add Loss of Use coverage option).

Covers the “down time” of your rental vehicle if you were in an accident or damages occurred while the vehicle was in your possession (if you add Loss of Use coverage option).

Cover over the $15,000 value on the plate/registration (eg. If you need $60,000 coverage you would put $15,000 on the plate and $45,000 excess value on your package policy).

Replacement cost of a brand new vehicle for 5 years

commercial auto cargo insurance moose jaw

Saskatchewan Cargo Insurance Requirements

Saskatchewan SGI commercial auto and cargo insurance starts with basic plate coverage, but most businesses need more than the standard limits provide. A commercial auto policy builds on SGI registration insurance by increasing liability, lowering deductibles, and extending protection to rentals, stored vehicles, glass damage, wildlife claims, and replacement cost for newer vehicles. For carriers, cargo insurance is also mandatory under The Motor Carrier Act, requiring a blanket policy that meets provincial limits. Together, commercial auto and cargo coverage ensure vehicles, loads, and business operations are protected well beyond the basic insurance attached to a licence plate.

Moose Jaw Commercial Auto/Cargo Insurance – FAQ

Why do I need a Commercial Auto Policy if I already have Saskatchewan plate insurance?

Basic plate insurance only provides a $700 deductible and $200,000 liability. A Commercial Auto Policy increases your liability up to $5,000,000 (with optional umbrella to $10,000,000), lowers deductibles, and adds coverage for rentals, storage, wildlife damage, glass, and vehicle replacement.

Does this policy cover rental vehicles?

Yes. It covers rental vehicles in Canada and the United States, including the cost of a similar rental if your insured vehicle is damaged in a covered loss. It also covers “down time” charges if damage occurs while the rental is in your possession.

What happens if my vehicle is in storage or the plates expire?

Your Commercial Auto Policy still provides coverage when your vehicle is in storage or when plates have expired and the vehicle is parked, which is not covered under basic registration insurance.

Can I insure my vehicle for more than the $15,000 value on the plate?

Yes. You can insure excess value beyond the $15,000 plate limit through your Commercial Policy. For example, if you need $60,000 in coverage, $15,000 is on the plate and $45,000 is insured under the policy.

Is Cargo Insurance required in Saskatchewan?

Yes. Under The Motor Carrier Act, all carriers must carry a blanket cargo insurance policy that meets minimum legal limits. This can be purchased as a stand-alone policy or added to your Commercial Auto Policy.