Personal auto insurance covers vehicles used for personal purposes, while commercial auto insurance is specifically designed for vehicles used in business operations, offering broader coverage.

Yes, any vehicle used for business purposes, including delivery vans, work trucks, and even personal vehicles used for business errands, must have commercial auto insurance in BC.

Typically, personal vehicles should be insured under a personal auto policy. However, if a personal vehicle is primarily used for business, you may need to discuss coverage options with your insurer.

Your driving record plays a significant role in determining your premium. A history of accidents or traffic violations may lead to higher rates, while a clean record can help lower costs.

If an employee is driving a company vehicle and gets into an accident, your commercial auto insurance typically covers the damages and liability, provided the employee was authorized to use the vehicle.

Yes, many insurers offer fleet insurance options that allow you to cover multiple vehicles under a single policy, often resulting in cost savings and simplified management.

Coverage for tools and equipment inside a commercial vehicle varies by policy. You may need additional coverage or endorsements to protect these items from theft or damage.

To lower your premiums, consider increasing your deductibles, maintaining a clean driving record, implementing safety measures for your vehicles, and bundling policies with the same insurer for discounts.