Sunday, 12 June 2016

Calgary Car Insurance Coverage: Do I Need a Separate Policy For My Business Vehicle?

If you own a small business in Calgary, you might be wondering whether or not your personal auto insurance policy extends to cover your business vehicle(s). Since this is a common question in the insurance world among business owners, today we will do our best to answer it.

Unfortunately, most personal auto insurance policies do not cover business vehicles. As a result, business owners are required to purchase a special type of insurance coverage known as commercial auto coverage. Much like a personal car insurance policy, a commercial policy will provide you with financial assistance in the event of you experiencing a road accident.

Keep in mind, however, that there are several different types of commercial car policies... just like there are different types of personal car policies. Each policy serves its own unique purpose -- from helping you pay for damage done to third parties to helping you pay for damage done to your commercial vehicle. Also keep in mind that not every policy extends to cover your employees. If you let your employees drive your vehicle(s), or if you plan on doing this in the future, this is something that you should absolutely double check before purchasing a policy.

If you own a business vehicle in Calgary, then you are legally obligated to cover it before hitting the road. For your commercial car insurance needs, trust Sharp Insurance. Did you know that our quotes are free and come with no obligation whatsoever? Visit to request yours today.


  1. This post is very beneficial for me as I really needed an insurance policy for my car but I need to know that is this only applicable for business cars?

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