Garages and commercial vehicles

Protector of your dreams, we work for you.

AFER Group Ltd. covers commercial vehicles, fleets, garages and trucking. In fact, everything that rolls, we insure!

Commercial auto insurance

Commercial automobile insurance is for all companies that must use vehicles to operate their business. If your business leases or owns a number of commercial vehicles, it may be more efficient to insure them all with a single fleet policy, with a single renewal date. If you transport goods, you must protect both your cargo and your vehicles.

As an entrepreneur, your time is precious. AFER Group Ltd. takes the time to shop around for the best value for your money. We will assist you in the management of your fleet. By dealing with us, you can spend your time on profitable projects and projects that will grow your business.

Curious to learn more?

  • Third-party liability insurance covers personal injury and property damage to third parties (Chapter A).
  • Collision insurance covers damage to the vehicle resulting from a collision with another vehicle or with an object such as a guardrail (Chapter B2).
  • The collision-free guarantee covers the costs of repairing damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disaster (Chapter B3).
  • The “all risks” insurance combines collision and collision-free accident benefits (Chapter B1).
  • The guarantee against “specific risks” covers only the causes of damage designated by the insurance policy, including theft, attempted robberies, riots or popular movements and certain natural disasters (Chapter B4)

Several endorsements are available, either to rent a vehicle in the event of an accident (FAQ 20), travel expenses (FAQ 20a), to cover the replacement value (FAQ 43, replacement guarantee (FPQ 5) and many others.

You may need a bond for customs and excise if your activities involve importing, exporting, manufacturing, selling or distributing goods in Canada. It guarantees:

  • the payment of customs duties and federal and provincial taxe
  • ; compliance with corporate requirements and tax laws.

Bond – Canada Customs: You may need this type of bond if your company must provide a financial guarantee to the Canada Border Services Agency (CBSA) or the Canada Revenue Agency (CRA) before transport, import or export goods. This bond guarantees that you will comply with the laws and regulations that apply to your activities.

Excise Bond: You will need an excise bond if your company must have a license to operate a tobacco or liquor store. You may also need to replace your current warranty with a bond.

We also cover various types of mechanics, including body shops and other repair shops or car detailing.

This type of coverage is not only for repair, sale or car detailing garages but also for hotels with valet service, car washes, towing services or new and used vehicle dealers.

Certain provisions of the Automobile Insurance Act apply more specifically to companies with entrusted vehicles. Article 106 makes liability insurance (Chapter A) mandatory with minimum amounts. In addition, Article 112 specifies that the insurance contract of the company to which the vehicle has been entrusted applies in priority in case of damage caused to others. The insurance policy of the legitimate owner of the vehicle comes in surplus.

Usual covers

  • Third-party liability insurance covers personal injury and property damage to third parties (Chapter A).
  • Collision insurance covers damage to the vehicle resulting from a collision with another vehicle or with an object such as a guardrail (Chapter B2).
  • The collision-free warranty covers the costs of repairing damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disaster (Chapter B3).
  • The “all risks” insurance combines collision and collision-free accident benefits (Chapter B1).
  • The guarantee against “specific risks” covers only the causes of damage designated by the insurance policy, including theft, attempted theft, riots or popular movements and certain natural disasters (Chapter B4).
  • Civil liability for damage to your customers’ vehicles, All risks (Chapter C1).
  • Damage to your customers’ vehicles by collision or upset (Chapter C2).
  • Damages to your customers’ vehicles by collision and non-collision accidents (Chapter C3).
  • Damage to your customers’ vehicles by specified risks (Chapter C4).
  • Various endorsements

We analyze the special needs of each company. Sometimes it is better to exclude vehicles from the Insured (FAQ 70) and insure them with a car insurance policy (QOF 1) that will provide more credit.

  • What coverage do you want and what is the cost?
  • Do you have the right deductibles?
  • Do you have a maintenance program for your fleet?
  • Do you have an auto theft prevention program?
  • Do you check the criminal records of new employees?
  • Do you request the driving record of your employees on an annual basis?
  • Do you have an annual assessment of your employees?
  • Do you have an internal code of conduct policy?
  • Is your garage well-lit at night?
  • Is your garage fenced in?
  • As a mechanic, do you keep the keys to your customers’ vehicles in a safe place?
  • Do you have a file without a claim?
  • Do you have risk management practices?

AFER Group Ltd. understands how important your vehicles and garages are to your business. Whether you operate a single utility vehicle, operate a fleet of trucks, or are a garage owner, we have the business insurance solution that meets your specific needs.

For more information on garages and commercial vehicles insurance, contact AFER Group Ltd. as soon as possible.