Commercial Auto Insurance Calgary, AB

Business Insurance

Who Should Buy We Know Commercial Auto Insurance

It's no secret that all cars, trucks and other vehicles must be insured to be driven legally on Canada's roads. Even if it wasn't legally mandatory, it would be unwise to drive your commercial vehicle uninsured, as it could result in major repair or replacement costs that could injure your company's bottom line, not to mention the potentially astronomical financial losses associated with being sued and found liable for a hefty settlement. With the best possible commercial auto insurance, Calgary business owners don't have to worry about the massive financial setbacks that can result from an accident with a commercial vehicle. Whether you have one truck that you use to carry materials to job sites or a whole fleet of delivery vans, you need the financial protection afforded to you by the right Calgary commercial auto insurance. Call the experienced insurance brokers at Krywolt Insurance to find out more about how commercial vehicle insurance would help your business.

Who Needs Commercial Auto Insurance in Calgary?

In Alberta, personal or commercial vehicle insurance is mandatory for all drivers. However, if you use your vehicle for tasks related to your occupation, profession or business—aside from commuting—you might need a commercial policy as opposed to a personal auto policy. There are a few different factors that are important to consider when determining whether you should have Calgary commercial auto insurance and the type of commercial vehicle insurance Calgary business owners will find that best meets your needs.

1. Use of the Vehicle

This is the primary factor that dictates whether you need commercial auto insurance. Calgary business owners typically use commercial vehicles to serve a specific, business-related purpose, such as:

Transporting people or goods in your vehicle for a fee
Providing delivery services with your vehicle
Visiting clients
Offering rideshare services
Conducting a service with your vehicle
Hauling a considerable weight in tools or equipment
Towing a trailer used to conduct your business

Since your vehicle is used for different work-related purposes, it is exposed to risk factors different from personal vehicles. However, if your commercial use is only occasional and does not involve transporting people or goods—such as making deliveries—you may not need commercial auto insurance. Calgary business owners will find that it's best to talk to a qualified broker at Krywolt Insurance to learn the best coverage for your needs.

2. Type of Vehicle

Your vehicle type influences whether you need commercial auto insurance. Calgary vehicles that are used specifically for your trade or profession, as well as heavy trucks and toll vehicles, are typically more costly to replace than other types of cars. To protect your vehicle in this case, it's best to have Calgary commercial auto insurance.

For example, the following vehicles would likely need Calgary commercial auto insurance if used as part of your occupation:

SUVs—for instance, if used to transport mobile vets; or physicians who visit patients in remote areas.
Jeeps—often used for commercial purposes.
Trucks—including semi-trucks and delivery trucks that are used to transport tools, equipment or goods.
Tractor Trailers—including other farming equipment, such as seeders and harrows.
Trailers—when used to transport goods, materials or animals.
Vans—including mobile pet clinics or food trucks.

If you have any questions about whether your vehicle qualifies for commercial auto insurance, Calgary business owners can talk to our Krywolt Insurance brokers about whether your vehicle use qualifies for commercial vehicle insurance.

3. Vehicle Owner

Are you the sole owner of your vehicle? In that event, you may only need personal auto insurance and not commercial vehicle insurance, depending on how some of the other factors listed here fit into the puzzle. However, if your vehicle belongs to a business, corporation, or employer, Calgary commercial auto insurance will likely be required to ensure it is properly covered.

4. Protect Your Vehicle Fleet

Obviously, if your Calgary or Alberta business owns an entire fleet of vehicles, then it's integral you have commercial vehicle insurance for each car, truck, bus, etc. Commercial auto policies are a great way to ensure these important assets are properly protected while getting the most out of your commercial vehicle insurance policy because all the vehicles listed as part of the fleet will be covered in the event of damage and legal actions.

We Know Commercial Auto Insurance Coverage Options

When it comes to commercial auto insurance, Calgary business owners will find it is a necessary and crucial piece of protection if you or your employees use the vehicle for business purposes, such as transporting goods, animals or people, or if you provide a service using the vehicle. Likewise, heavy-duty vehicles used for business operations will need to be insured with commercial auto insurance. Calgary commercial auto policies typically include the following type of coverage:

Third-party liability insurance
Accident benefits coverage
Public liability and property damage/PLPD coverage
Collision coverage
Comprehensive coverage
Uninsured automobile coverage
Specified perils insurance
Loss of use insurance/SEF 20
Rental vehicle insurance/SEF 27
Accident forgiveness/SEF 39

With the right mandatory and optional coverage options for your commercial auto insurance, Calgary business owners and employees are fully covered based on their needs in the worst-case scenario. These types of Calgary commercial auto insurance coverage are further explained below.

Third-Party Liability Policy

As part of any mandatory car insurance policy for both personal and commercial auto insurance, Calgary residents will find that third-party liability coverage protects you from damage to another person or their property while driving your vehicle. An example of this could be if you're delivering flowers and rear-end another driver on your way to a client. The third party you collided with may file a claim against you. Third-party auto liability insurance ensures you don't have to pay out-of-pocket for any damage caused by the collision or the medical expense for anyone you injured, up to the policy limits listed within your commercial auto insurance. Calgary business owners will be happy to learn that it will also protect you against legal expenses and legal action as a result of the incident.

Accident Benefits Coverage

Also considered a type of mandatory insurance coverage for your commercial auto insurance, Calgary businesses will find that accident benefits protect the driver and passengers of a vehicle involved in a collision—regardless of who is at fault. In this way, accident benefits differ from third-party liability. It typically covers:

Medical expenses for treatment due to an injury
Essential medical supplies
Essential medical services
Wage loss coverage

Public Liability and Property Damage Liability/PLPD Coverage

Typically, public liability and property damage insurance protect you should you be the at-fault party in an accident. Whether you hit another vehicle, a person or an inanimate object like a road sign, if you're at fault for a traffic accident, this makes you liable for any damage caused. Also referred to as bodily injury and property damage, this policy is fundamental coverage for all personal and commercial vehicle insurance policies. It can be broken down into two parts:

Public Liability—which covers injuries you cause to other people.
Property Damage—which covers damage to personal or public property caused by your vehicle, including vehicle damage to the other car involved in the incident.

Collision Insurance

Unlike third-party liability and accident benefits coverage, collision insurance is not considered a type of mandatory coverage in Alberta. However, if you rely on your vehicle for business reasons, it's imperative that you protect it with both collision insurance and comprehensive insurance—which is detailed below.

Collision coverage protects your vehicle from accidents. Typically, mandatory insurance doesn't actually protect your vehicle, but losses or damage to other people, cars and objects, as well as medical expenses for others. Contrarily, collision coverage pays for damage to your vehicle caused by a rollover or collision with another vehicle—even if you're at fault. By having this type of coverage for your commercial auto insurance, Calgary business owners will ensure that should the covered vehicle get damaged in an accident, you won’t pay out-of-pocket for the cost of repairs or replacement.

Comprehensive Insurance

Another type of optional coverage for your commercial auto insurance, Calgary business with comprehensive insurance will find it essentially protects your vehicle from all manner of risks, including:

Theft
Hail
Vandalism
Fires
Animal collisions
Other non-driving-related damage

Especially if you're using your truck or van for business reasons, like selling coffee or transporting equipment, it can be devastating if you hit a deer or someone steals your vehicle, and you're not covered. By having this policy as part of your commercial auto insurance, Calgary business owners will be covered for the cost of repairs or replacements in the event of a non-collision incident.

Uninsured Automobile Coverage

As much as we'd like to believe that every other driver on the road is responsible, honest, and fully covered with mandatory auto insurance, that's unfortunately not always the case. When you are in a collision where the other driver is at fault, that driver's insurance would typically cover the associated costs of the collision. But if you are involved in a collision with an at-fault driver who is an uninsured driver, under-insured, or who flees the scene of the collision before you can get their information, you won't have access to insurance compensation from the at-fault driver's coverage. In that type of scenario, by having uninsured motorist coverage on your commercial auto insurance, Calgary business owners will have the peace of mind that in the event of an accident where the at-fault party isn’t properly insured, you will be given the insurance compensation you are entitled to, up to the coverage limits on your policy, so you can avoid financial hardship from an accident that wasn't even your fault.

Specified Perils Insurance

As implied by the name, specified perils coverage protects you against specific events (perils) that are outlined in your policy. It's important that you read over your Calgary commercial auto insurance policy so you're familiar with what is covered under specified perils insurance and what is not in case the vehicle you use for business activities is affected. Typically, this coverage will include damage caused by:

Fire
Hail
Lightening
Theft
Earthquakes
Floods
Other natural disasters

Remember, specific perils insurance only covers you in the event of the listed peril, so if your commercial vehicle was damaged by an event that is not listed under your commercial vehicle insurance policy, you will not be covered for repairs or replacement. Speak to our Krywolt insurance brokers if you are concerned about a particular event that you want coverage for.

Loss of Use Insurance/SEF 20

If your vehicle is in an accident or is otherwise damaged, it will need to be repaired promptly. Yet, this may leave you worried that you won't be able to continue your business activities while your car is out of commission. Loss of use insurance, also called SEF 20 on your policy, provides for reasonable expenses incurred for a rental vehicle or other mode of transportation while your vehicle is in the shop. Essentially, this clause sees your insurer provide for you to rent a replacement vehicle similar to the one being repaired up to the coverage limits declared on your policy. However, depending on the type of vehicle you have commercial vehicle insurance for, you may not be able to get an adequate replacement. While, for instance, you get a truck to transport your tools to different job sites if your truck is in the garage for repair, keep in mind that if your vehicle is specifically tailored to your uses, such as a food truck, replacing your van with a rental may not be feasible.

Rental Vehicle Insurance/SEF 27 or Hired and Non-Owned Auto Coverage

This optional coverage extends the physical damage coverage you already have on your vehicle to a rental vehicle you use while away on business. It's also known as hired and non-owned auto coverage and can be used to cover vehicles your business uses but does not own—like employee-owned vehicles used for business reasons and vehicles leased by your business. The same physical damage deductibles that you have on your current vehicle are reciprocated on the rental vehicle under this type of coverage for commercial auto insurance. Calgary business owners and employees who occasionally use personal vehicles for business reasons may want to invest in Hired and Non-Owned Auto Coverage on your commercial vehicle insurance policy. It's important to talk to a qualified insurance agent at Krywolt Insurance so you know whether this add-on is beneficial for you.

Accident Forgiveness Coverage/SEF 39

This commercial vehicle insurance endorsement is ideal for protecting drivers from the negative impacts of their first accident. Even if you are a defensive driver and have a clean driving record, sometimes accidents happen. It's with this line of thought that insurance companies developed the accident forgiveness endorsement for personal and commercial auto insurance. Calgary business owners or employees who are in an accident but have this type of insurance coverage will find that this coverage acts as if it never happened in the first place. Basically, it offers a do-over—instead of facing the negative ramifications of being in an accident and watching your insurance premiums skyrocket.

Are you still wondering whether you need these different coverages in your commercial auto insurance? Calgary business owners should give our Krywolt Insurance brokers a call today to discuss different options for your commercial vehicle insurance policy and how we can create the perfect policy for your business vehicle needs.

Frequently Asked Questions

Does Calgary Commercial Auto Insurance Cover Your Employee's Personal Vehicles or Your Own?

If you have commercial auto insurance, Calgary residents should note that it does not provide any coverage for personal vehicles—those would require a personal auto insurance policy. If you supply a company vehicle to your employees, this is a different matter. Also, if you or your employees use personal vehicles for business purposes, you may want to consider adding hired and non-owned auto insurance to your policy.

A Calgary commercial automobile insurance policy is intended for vehicles used for business and commercial purposes. However, if you also use the same vehicle for personal reasons—say, you work as a handyman and only have one truck—then you may also be covered for personal use. Talk to your Krywolt broker to ensure you have appropriate personal car insurance and/or commercial vehicle insurance coverage based on how you use your business vehicles.

Does My Small Calgary Business Need Commercial Auto Insurance?

Calgary business owners will find that the size of their business doesn't determine their eligibility or need level for commercial car insurance. If you operate your business in a way that requires the use of a commercial vehicle, it makes sense to have Calgary commercial auto insurance coverage, and in most cases, it's mandatory for you to have it. Suppose you're a business owner and you use a vehicle for business-related purposes. In that case, you will most likely need commercial vehicle insurance, especially if your employees also use the vehicle. Say you own a bakery, and you have an employee who delivers cupcakes throughout Calgary. In that case, it's important that your vehicle is fully insured and your employee is listed as one of the vehicle's drivers.

What Types of Vehicles are Covered by Commercial Auto Insurance?

Calgary business owners will find that, essentially, any vehicle that is used for commercial or business purposes is covered by business auto insurance. This includes:

Buses/transport vehicles
Trucks, including semi-trucks, food trucks, box trucks and pickup trucks
Vans, including delivery vans
Taxi and rideshare vehicles
Service utility vehicles
Company cars used to visit clients or business locations
Other business vehicles, such as farming equipment

What's the Difference Between Commercial Vehicle Insurance and Fleet Insurance?

The biggest difference between these two very similar types of commercial car insurance in Calgary is that commercial vehicle insurance is a policy that offers insurance protection for one single vehicle, while fleet insurance covers five or more commercial vehicles under a single fleet insurance policy. Both Calgary commercial auto insurance and fleet insurance are for vehicles that are owned by companies or self-employed contractors and used for commercial business purposes.

Is Calgary Commercial Auto Insurance and Garage Liability Insurance the Same Thing?

While the names are similar, these two coverages are not the same. Garage liability insurance is a type of coverage that is necessary for auto repair shops, auto detailers, parking garages and other types of businesses that must keep customer's vehicles on their commercial property in order to provide their services. It is a type of umbrella liability coverage that applies to litigation and settlement costs related to damage or injury that occurs over the course of daily operations for that business.

Commercial auto, or commercial vehicle insurance, is coverage for your vehicle in the event of an accident, damage, theft, or other loss of use. When it comes to needing commercial auto insurance, Calgary businesses that use vehicles for business use, such as food trucks, transporting services, or ride-shares, will require this insurance policy.

What Doesn't Business Auto Insurance Cover?

The level of coverage for commercial auto insurance Calgary businesses has for your business vehicle is up to you. While third-party liability and accident benefits insurance are mandatory, most additional coverage options can be added on to provide you extra protection for your commercial auto insurance. Calgary business owners should note that there are a number of potential exclusions that may or may not apply to your particular policy, depending on your insurance company and how your unique policy is written. Some common exclusions are:

Litigation that results from intentional damage or injury
Damage or injury that results from racing
Pollution from pollutants that are being transported in your vehicle or that come from the vehicle itself
Damage resulting from war, insurrection, rebellion, and in some cases, rioting or civil unrest

The best way to establish what level of coverage you need is to talk to one of our qualified insurance brokers. We'll look at what you're using the vehicle for, how many other drivers use the vehicle, and what kind of vehicle you drive to establish what needs to be included in your Calgary commercial auto insurance policy.

Do You Need a Calgary Commercial Auto Insurance Policy?

While it can be confusing as to whether or not you need a commercial car insurance policy. Calgary business owners who use their vehicle for both commercial and personal reasons: what's important to know is that as soon as you use your car for business reasons and get in an accident, you may not be covered—depending on your insurance company. That's why it's essential to check with our trusted Krywolt Insurance experts to see if you need commercial auto insurance.

Does Calgary Commercial Auto Insurance Cover Theft of Personal Items?

No, Calgary commercial auto insurance does not cover the theft of personal items or business items inside a vehicle. Only items permanently attached to the vehicle and used in the operation of the vehicle will be covered by the auto insurance policy. Items such as tools and attached equipment such as cranes or hydraulic lifts must be added to a separate commercial property policy in order to be covered. Personal items should be added to a personal insurance policy, such as home or tenants insurance.

Are There Fees for Cancelling a Commercial Vehicle Insurance Policy?

As with most types of insurance, your insurance carrier will typically charge a fee for cancelling Calgary commercial auto insurance coverage before the renewal date. If you cancel at the renewal date, there's no cancellation fee. Therefore, it makes sense to wait until the renewal date if at all possible. If you're thinking of cancelling your commercial vehicle insurance, Calgary brokers at Krywolt Insurance can help you make sure it's done at the optimal time and that you can smoothly transition to a new insurance provider or a new type of coverage if necessary. Keep in mind that when you're cancelling your policy for commercial auto insurance, Calgary residents need the permission of everyone listed as a Named Insured on the policy, and the policy cancellation cannot be backdated.

What Factors Determine Premium Costs for Commercial Auto Insurance Calgary Residents Should Know?

Like any other type of insurance coverage, there is a broad range of factors that go into calculating the cost of your premiums for commercial auto insurance. Calgary policies often include considerations such as:

Your insurance history or claims history
Your driving record
The types of coverage you want or need on your policy
Where you drive, how often, and annual mileage
The commercial purpose of your vehicle
The type of vehicle being insured
The amount of coverage necessary
Safety and anti-theft features
Your demographics, such as age

When you call the qualified brokers at Krywolt Insurance, we'll find the best insurance options available for your unique needs at a competitive rate. The more information we have about you and your commercial vehicle insurance requirements, the better we're able to seek out the ideal coverage, so you can rest assured that you are protected against financial setbacks in the event of an insured peril with the proper commercial vehicle insurance policy.

Assess Your Risk And Get Insured

Let's Work Together

You need an insurance expert that understands We Know Commercial Auto Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for We Know Commercial Auto Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.

Compare & Save On Your We Know Commercial Auto Insurance

Why Krywolt Insurance?

• Personal Attention
• Exclusive Client Management
• You’ll receive a competitive rate on a suitable policy year after year
• Krywolt Customer Care
• Access to all Major Insurance Providers
• We act for you – not the insurance company
• We’ll obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
• You receive responsive friendly service.
• You’ll have us in your court if you need to claim
• We’ll do the leg work for you!

shane hallissey

February 15, 2024

Sheryl Ann

February 13, 2024

There are literally no words to express the Customer Service I have received over the past few years from Sarah L. Friendly, Helpful, Efficient, Professional and Patient just does not do her justice!! Yes, I said patient! The amount of times I email her with the exact same questions and requests :-) I can honestly say I have never encountered such stellar customer service in my life. Thank You Krywolt, you hire the best people!

Paul Heynen

February 3, 2024

Thank you Morgan Anderson for being the best in the insurance business. You have no clue how much I appreciate the customer service you’ve provided me, and my business. Not to mention,the best rates out of everyone I shopped. If anyone out there wants to deal with a stellar human for business insurance, home, vehicle. This is your girl. Much love sista. 🙏🥰

Terry Beaud

February 1, 2024

Every person I've dealt with at Krywolt have been very professional, resourceful and friendly. I am so very happy having them as my broker. Special hats-off to Sarah and Ryan. I highly recommend them. Thank you !!

Dennis Tinkler

January 24, 2024

Very professional and responsive team. Highly recommend!

Daniel Keuning

January 23, 2024

Sarah does good work. We appreciate her.

Natsumi Sawada, PhD

January 19, 2024

Sarah at Krywolt is knowledgeable, professional, helpful, and kind. Really appreciated Sarah's generous assistance with sorting through an insurance matter. Great experience.

Jackie Marie

January 10, 2024

Krywolt Insurance is a fantastic group of people doing great work. They found mistakes that the other broker made and got our insurance rate much much lower. Thank you for your care, friendliness and knowledge.

jill hart

January 9, 2024

Samantha Mathieson

January 4, 2024

Sarah from Krywolt was so helpful and quick to help when a previous broker had left us in the lurch. She helped me secure the insurance we needed in a matter of days and right before Christmas.

Chad Archer

December 4, 2023

Darren and the rest of the Krywolt team are true professionals. They provide the options I need as well as the support with prompt answers that are sometimes required.

Carly Takeda

October 19, 2023

Krywolt offers a high quality insurance service and has exceeded expectations in every way. Every interaction has been met with the upmost level of professionalism and efficiency. As a new business owner they were incredibly helpful in answering any questions we had, and were timely and diligent in having all our needs and requirements met at the time of our annual renewal. I can say with confidence they take care of business. Our account manager Sarah Lefebvre has been an absolute pleasure to work with, is incredibly on the ball with all communications, and has ensured anything we've needed was taken care of!

Cactus singh

September 14, 2023

Pierre Lesage

August 25, 2023

They are just incredible

Connie Choi

August 1, 2023

Thank you Keri Myers for setting up my new auto policy so efficiently. I know summer time is a busy time of year for everyone but you made my experience seamless. It’s a pleasure coming on board with Krywolt Insurance through a reference that said this company is friendly and amazing to work with. Your timely response to emails and friendliness matters to someone like me having the courage to end my old insurance company which I was very loyal to since I started to drive as a teenager and I’m in my 40s now ! Kindest Regards, Connie Choi

David McKeone

July 27, 2023

Krywolt has been great to work with. Always keep annual insurance up to date, and they've been very responsive to questions!

James Hall

July 1, 2023

I cannot express enough how helpful this broker firm is. I specifically deal with Dwight Clink for all of my business needs. I have dealt with many brokers, NO ONE has ever stepped up to the plate with such amazing service. Iam a very busy owner and Dwight helps me immensely with many tasks without question. Thoroughly professional in every manner. One time I was out of out of the city on a Saturday and needed documents prossceessed. I emailed them expecting not to hear back until the following week and to my utter disbelief two members of the team reached out to help me!!! Now that is service.

Loreli Garrett

June 28, 2023

Dwight is always available for my questions and concerns and is quick to reply. The service is exceptional and always friendly. Highly recommended.

Janice Permann

June 22, 2023

I have been dealing with Dwight Clink from Krywolt Insurance for the past couple of years & have found him to be nothing short amazing He has helped me every time I have had any issues or needed any information. I know I can always count on him to be helpful & efficient with all my questions & needs which he answers in a timely manner. No matter how big or how little, he makes me feel like I am his priority. Thanks Dwight for your awesome customer service.

N A

January 13, 2023

I have been dealing with Krywolt insurance for the past five years and have always had a great experience whenever I need to make updates or just to get information about policy coverage or to add on riders for specific events. Ask for Morgan if you are looking for rock star service from a commercial account executive with Krywolt. She is super knowledgeable, efficient and a great person to deal with.

Integrity Tile & Stone

December 16, 2022

Where do I start? Had my company vehicle ins with Brokerlink/Intact, but company CGI with Krywolt where I dealt with Sarah Lefebvre. I received our company auto renewal and it went from $1700 a year to $4900 a year!! I contacted my broker and asked why the insane increase and told him we can't afford this!! After a few hours, he called back and said he tried everything, but there is nothing he could do :-( Even though Sarah only handles our Commercial Ins, I emailed her and said "HELP" To make a long stressful story short, Sarah worked her butt off, trying to find out why the huge increase and see if she could get me a better deal. Of course, as soon as my Brokerlink rep found out I had gone someplace else, all of a sudden he found me a better deal !!?? BUT Sarah found an even better deal! I have never received such incredible personable customer service from an insurance broker in all my years of needing insurance. She has assisted me in other situations before all this as well which is why I reached out to her on this. I don't know about anyone else, but I feel having a broker who you can trust and communicate with is crucial! Thank you Sarah for everything you did for me! and thank you Krywolt for hiring her :-) Give this girl a raise :-)

Amur Abdulghani

November 25, 2022

We would truly refer Krywolt Insurance to our friends and family. A sincere, friendly and wonderful service only is only the beginning of what you can expect from them. A special mention to our account manager AK. He has been fantastic to say the least.

Angela Cox

September 26, 2022

Sarah L is amazing. She is so attentive and quick to respond. She is knowledgeable and keeps up to date on our account. Insurance is important and you want to feel like the person you are talking to will make sure you are protected, Sarah definitely does that. I have been with Krywolt for many years and am very happy with the service I receive. Thank-You!

Doug Haller

September 21, 2022

Krywolt has been a fantastic company to work with. Sarah has taken such good care of all my personal and company accounts. Always same day service when I need it. I can rest knowing that Sarah has my back !!!

Steve Strube

September 20, 2022

I was referred to Krywolt several years ago by a business associate. I was very happy to enjoy a level of personalized service that my previous broker had forgotten over the years. After many years, I am still enjoying the same personalized service. Thanks Sarah!

Wendy Wright

September 20, 2022

Sarah is the best !! Always helpful and provides excellent service !

Alexis Miller

September 19, 2022

Sarah L. provides good service, she is very responsive, i feel like my insurance needs are being met or better yet exceeded, she explained thoroughly my buisness liability insurance. So I feel secure in the insurance I have purchased is right for me.

Robert Noseworthy

May 3, 2022

I chose Krywolt because of the positive reviews and I was not disappointed. Thank you Morgan!

Sharon Numerow

April 5, 2022

Love dealing with Krywolt and Amit Pandhi. They were great from the outset and after a year of dealing with Amit, I cannot say enough about how responsive he is and how wonderful he is to deal with. We switched from AMA over a year ago as their car insurance rates skyrocketed but as a broker, Amit was able to get me great rates for 2 homes and 3 vehicles. Wouldn't hesitate to recommend Krywolt and Amit. Dealt with Morgan when I first inquired and she is also terrific.

Ehinomen Iria

November 18, 2021

using Krywolt Insurance Broker has just been the best, They are professional ,highly responsive and the best part is you get the best value out there... there is a great guy there named Amit. He's good at what he does.

chris

November 2, 2021

Was left frustrated and angry working with other brokers to find the right policy until I found Morgan at Krywolt. Morgan has a can do attitude and is always accessible when needed. Nice work Morgan, keep up the super work and positive attitude!

Debra Van

September 17, 2021

Morgan Anderson was amazing to deal with. She handled my request with insurance in a timely manner and has exceeded all my expectations. I recommend Morgan Anderson to anyone who needs this service to help grow their commercial business. I will use Morgan to handle all my future insurance expectations. Thank you Morgan!!

Hazel Robinson

September 16, 2021

Great dealing with AK who is patient, efficient and very helpful. I appreciate the help provided with the insurance on my new house

Joseph Vinatieri

September 1, 2021

Morgan Anderson has been such a pleasure to work with. We set up our business and auto insurance through her. We came to her with a complicated situation and she was extremely knowledgeable and thorough. I highly recommend going with her for any personal or professional insurance needs! Thanks again Morgan!

Jordan & Catlin S

August 26, 2021

Emma Gutsche

July 16, 2021

I went to Krywolt because of the high Google reviews. I was right to do so! Dan made the process easy on me, found great coverage and at an amazing rate. Dan is incredibly knowledgeable and friendly. I am happy to know that my company is well protected and that's thanks to Dan!

Calgary Event Staff

July 7, 2021

Krywolt saved my business and has renewed my faith in the insurance industry. Dan is more kind and knowledgeable than anyone I've dealt with in the decade I've had my business and took the time to give me multiple options for things like ways to sign the paperwork online or in person and payment plans if needed. He also patiently and gladly walked me through anything I didn't fully understand. I can't say enough good things about how wonderful Krywolt has been to deal with. I tried 4 other companies trying to get my business insured after Covid shut us down for 1.5 years, I thought we were done for good as no one was able to help. (My biz doesn't fit in an easy box to insure.. or so other companies told me) Then as a last ditch effort I spent a whole day researching reviews for almost every broker in town and found Krywolt! Dan answered the phone when I called just to see if my online form went through - Instead of talking down to me and telling me to wait for a response he chatted with me for 20 minutes on the spot and within a few hours he had me insured with a company who specializes in my hospitality industry. No other broker I've talked to even knew about them... and they certainly didn't have any answers or keep me in the loop about how it was going after a week or more of waiting. I've been gaslighted, strait up lied to and talked down to by other brokers in the past few weeks, needless to say I was deflated before I found Krywolt. I didn't know a company in this industry could be so welcoming, Krywolt is a breath of fresh air and has inspired me to be better in my own business. Don't hesitate to fill out the form online or give them a shout. You will receive 5 star service and if you've ever dealt with other companies I bet you any money you will wish you had found them earlier.

Jenness McGrath

June 24, 2021

I have had to deal with a few different insurance companies and I have to say the level of responsiveness and personal care I received was outstanding. I've been working with a lady named Morgan. She seems to have a very good way people. I know she has more clients but she makes it seem like I'm the only person she has to deal with. Keep up the great work.

Dale Ewashen

May 1, 2021

I recently purchased a 2006 Peterbilt hi-way tractor & was in the process of getting it insured, wow did I get an eye opener. I spent 2 days phoning my insurance company and all others that I could find, 60% wouldn't touch me, the other 40% wanted the most ridiculous amount that it barely warranted putting it on the road to work, with a 40% to 70% deductible if anything happened!! After the Humboldt nightmare no one wants to talk to you. Trucker friend of a trucker told me to get ahold of Krywolt Insurance in Calgary they can help. Phoned & got ahold of Dan Hannaford, got talking & unreal Dan talked to Darren that owns Krywolt Insurance & it turns out that his grandfather and dad owned Krywolt Insurance in the Crowsnest Pass in Coleman. I remember old Al Krywolt when I went to insure my first car a 1964 Ford Galaxy. Al knew we were starving young boys working in the underground coal mine in those day, first time insuring a vehicle, old Al would always cut us a deal to get us on the road, just used to tell us just don't crash eh. However dealing with Dan Hannaford at Krywolt Insurance in Calgary within a day & some paperwork emailed and my Peterbilt hi-way tractor was insured the same day & here's the best part of the whole deal, their rates were 60% to 70% lower than any of the closest competition, did that ever make my day. Dan & his people at Krywolt Insurance were the kindest, most knowledgeable, & helpful people I've dealt with, no such thing as NO, just give me an hour & I'll be back to you. Imagine hooking up with the same people my parents & I dealt with nearly 40 years ago. Thank you very much to Dan & the people at Krywolt Insurance in Calgary for being a super big help for me. Highly Highly 100% recommended Thanks Everyone!!!!,👍😃

Alex Bendel

March 18, 2021

Great response time, very friendly staff. Only giving four stars because I found a cheaper insurance rate elsewhere

Shannon Voros

March 17, 2021

Morgan goes above and beyond from a personal level to a business level working with her on both sides. I’m impressed with her knowledge and ability to find insurance solutions for her clients. Service and customer focus is top-Notch! Kudos to Krywolt and Morgan!

Mohamed Ahmed Ahmed

February 23, 2021

Our business nature requires clients satisfaction with our insurance documents. Morgan always helps us almost instantly every time we request a change to satisfy a client's requirements. I personally used to shop around for better deals but now with Morgan, I can focus on my actual professional work knowing that I will get the best deal and best advices for my insurance needs. Always top notch services, thanks a lot

C Prins

January 28, 2021

I am very impressed with Krywolt Insurance. They have helped my small-business stay appropriately protected and have even refunded a portion of my fees to help relieve some difficult circumstances in this past year.

Corey Maetche

January 22, 2021

Morgan is just a gem of a human! Always there to help me whenever I need, no questions asked. One of the most knowledgeable commercial brokers I've come across, plus sh'e a really good friend. Thanks again for everything Morgan!

Shawn Merkley

January 20, 2021

I have now dealt with Dan on a coupe of occasions for my insurance needs. He's really great to deal with and takes time to answer any questions or concerns. If you're looking for an insurance broker that is not only going to get you insured but will also advise you along the way call Krywolt.

Jen L

January 19, 2021

Morgan has done a great job taking care of the commercial insurance needs of many of the business owners that I refer to her. I really appreciate her knowledge and attention to detail. She is able to answer all their questions and give them the best options available to suit their insurance needs.

Janie Delorme

January 12, 2021

I can't say enough positive things about Morgan Anderson at Krywolt Insurance. She went above and beyond for my companies Commercial Insurance. In a time with Covid causing hardship to a small business, Morgan took her time with renewing my policy and found insurance that covered everything I need at a price I could afford. I recommend Morgan to anyone looking for insurance, she goes above and beyond! Thank You for all that you do.

Roger Foster

November 12, 2020

These folks are the best! They have saved me money, and found ways to get the insurance we need by going the extra mile! :-)

sarah Lefebvre

November 5, 2020

Kamal did my property and auto insurance and she was a pleasure to deal with, fast response and great price! Highly recommend.

Helen Ward

October 28, 2020

Ashley Quiring at Krywolt Insurance Brokers, Calgary, AB has been so helpful & professional. She was also courteous & quick to respond to our needs! Thankyou Ashley 👍

Shwa Norrie

October 21, 2020

I'd absolutely recommend Krywolt, especially Kamal who was fantastic, helpful and responsive throughout. Moving to Canada from the UK meant that some brokers from other companies found it difficult to apply my license from the UK to my Canadian insurance but Kamal went through it brilliantly.. Thank you again.

Michael Murray

October 16, 2020

I was dealing with Ashley throughout my experience which was second to none! I reached out-to many different companies. I received other quotes which were slightly more competitive, but the customer service was terrible. Ashley was prompt and understanding in which a quote was provided immediately and helped me through my experience. I would certainly recommend.

Heather Russell

October 7, 2020

I had a great experience with Morgan Anderson with Krywolt. She went above and beyond to get the best insurance deal for my family, Very professional and quick. I highly recommend her and this broker!

Norm Lacourse

October 5, 2020

I have been dealing with Krywolt Insurance for a few years now. I typically deal with Ashley, who has always been amazing. Recently she had some time off and sadly I did notice a drop off in service. Thankfully she is back to work now and she is hands down the best insurance broker I have ever dealt with. She is knowledgeable, prompt, and professional. This 5 star rating is solely because of how great Ashley is at her job!! Thank you Ashley

Cliff Elarco

October 3, 2020

I have worked with Morgan for serveral years and with her professionalism and expertise she provided me with exceptional service everytime! From recommendations to further understanding policies I have never felt more comfortable with an insurance broker. Thanks Morgan for all the help you've given me all these years.

Rizzabeth Dang

September 29, 2020

Sherry has been absolutely amazing!! Professional and best of all very informative. She has helped us understand how insurance works and actually leaves us feeling with more answers than questions. I highly, highly, highly recommend Krywolt insurance over other places. We’ve had insurance with other brokers for 20+ years but, this is the first time we actually feel confident that our brokers are there for us and helps us understand why we pay the premium fees that we do. Thank you so much Sherry!!

Krista Morrissey

September 29, 2020

I have been working with Ashley for a number of years now , she is extremely professional, sweet and wonderful to do business with! She has always found us the best prices with great coverage ! I absolutely love how knowledgeable and quick to get answers she is ! Highly recommended Ashley at Krywolt insurance!!

Joanne Bai

September 28, 2020

I had great experience with Krywolt Insurance through Sherry Thompson. She's very knowledgeable with the insurance domain, responsive to emails and questions, and had been super patient with me. She was actually the reason that made me choose Krywolt Insurance over the other two brokers. Thank you very much Sherry for being so helpful.

Raymond Gill

September 28, 2020

I've been with Krywolt insurance for many years and have had a great experience with them. They have a outstanding team and are always punctual and professional. I highly recommend! Sherry Thompson is my agent and my experience with her is why I gave it a 5 star!

Brittany McDade

September 28, 2020

Ashley is our broker and she is FANTASTIC! Anytime anything insurance related comes up it is always easy to get in touch with Ashley and she deals with our concerns immediately. She goes above and beyond to make sure her clients get the best customer service from her and the greatest rates from insurance providers. We highly recommend Krywolt Insurance Brokers and Ashley specifically as a great company and person to answer insurance needs 👍

Speedy Hootsman

September 28, 2020

I've used Krywolt for a few years now for all my insurance needs and I've gotta say they're second to none. Ashley W. is something else when it comes to customer service, anytime I need any information whether it's small or large Ashley is quick to respond and beyond friendly. I highly recommend Krywolt Insurance, especially if you get Ashley as your rep.

Jon Wright

September 28, 2020

Great staff and wonderful service, Ashley Wright will go above and beyond for you. You’re in good hands when you’re with Krywolt insurance.

Mike Legin

September 28, 2020

Very professional, easy to deal with and do their utmost to accommodate when possible. I often deal with Ashley as she is quick to take charge of the matter at hand and get back to me asap.

Kelsey Keys

September 28, 2020

I would like to share my good experiences with Ashley Wright. She is dedicated , polite hard working , makes extra effort to satisfy her customers. She is attentive to details and knows she job well.I would recommend his services to anyone.

Laureen Kovach

September 27, 2020

Ashley Quiring is great at what she does. She is very knowledgeable and always gets back to me the same day. I would highly recommend using Ashley for all of your insurance needs.

Tiana Bellingham

September 26, 2020

I have been dealing with Ashley at Krywolt for almost two years and she has been great. Ashley is quick to respond, has always been able to answer my questions, and is incredibly efficient. I never worry about insurance related questions/issues, because I know that Ashley is always there to help.

Stephenie Raba

September 26, 2020

Ashley Wright has been my broker for a very long time now and she always goes above and beyond, always super helpful and timely with any questions or concerns. I couldnt imagine working with any other company or broker since working with her!

sexstone86

September 26, 2020

Have never had a complaint about the customer service Ashley Wright provides. Always easy to get a hold of and always very good at explaining things and finding the best policy for my needs. I recommend her to anyone I know and even to those I don't.

Kathryn

September 25, 2020

Dan and Morgan are 2 of the most competent and pleasant people I've worked with. They are quick to respond, thorough and lovely to deal with. I am fully confident with our insurance in their hands.

Tyler DeGagne

September 3, 2020

I have worked with Dan for over a decade with my business in Calgary and in Edmonton. Dan is a true professional and really Builder's after my best interests. I can count on him to provide documents very quickly for our bidding and tendering. He can also be counted on to provide general advice. Dan and his team at Krywolt are an invaluable partner to us at Lionsgate Builders. I would highly recommend them for your business or personal needs. Very trustworthy. Thanks Dan!

Carly & Justin Cote

September 2, 2020

Great service. the staff is very friendly and knowledgeable.

Linda Reynolds

September 1, 2020

Krywolt Insurance Brokers is the absolute best in the insurance business! I highly recommend them for Business and Personal insurance requirements. Darren Krywolt, Dan Hannaford, and Sherry Thompson work extremely hard to determine the appropriate level of insurance required for the best price. Eagle Engineering Corp has carried comprehensive insurance for Commercial, Vehicle, and Professional Liability with Krywolt since they began. I personally have my home and vehicle insurance policies with Krywolt (arranged through Ashley Wright) so I have a high level of peace-of-mind knowing I'm well looked after.

Gillian Ellwood

August 25, 2020

Sherry with Krywolt is the best! She is so nice to work with and very professional. With all our dealings with Krywolt as a company, they have always been prompt and patient in every step. Highly recommend!

Zahid Abdullah

August 21, 2020

Highly recommend Krywolt insurance!, I've worked with Kamal Grewal as my broker and I always get quick, complete and friendly responses , she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very easy for me. She is very quick to reply and was happy to answer any questions . I highly recommend Kamal to anyone looking for an insurance broker she is great!

Aaron Dias

August 18, 2020

Fantastic Brokers. They got back to me quickly and Ashley made the whole process as easy as it could be.

Matt Green

July 31, 2020

I worked with Ashley and Dan on a variety of insurance products. They were fantastic to work with: super knowledgeable, patient, excellent at explaining coverage options and finding the best balance of price versus coverage. They have access to a wide variety of products and markets so this is a one-stop shop. You will not be disappointed with these pros.

Taryn

July 29, 2020

I worked with Ashley and she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very stress free and easy for me. She is very quick to reply and was happy to answer any questions I had throughout the process. I highly recommend Ashley to anyone looking for an insurance broker she is great!

Thomas Bye

July 27, 2020

Great company to deal with providing great advice and policies at good prices. Would recommend to anyone looking for business insurance

Anastasia Soskovets

July 8, 2020

Highly recommend Krywolt insurance! After calling numerous insurance brokers they were able to get me the best deal! Great thank you goes out to Kamal for accommodating all my needs and being extremely patient with my particular situation! Very helpful and professional :)

Alex Calgary

July 7, 2020

Excellent customer service. Last time I've talked with Kamal and today I talked with Ashley. Ashley went above and beyond to help me to find best quotes possible for my car and home insurance. I was impressed with Ashley's patience and knowledge as I had a million questions. Highly recommend this company for all your needs.

Iftikhar Wainse

June 29, 2020

A friend referred me to them and it was totally worth talking to them. Sherry made it really convenient for me to get business insurance. Very professional and responsive people.

GORDON FLUG

June 8, 2020

In 2019 i switched my business insurance over to Morgan Anderson at Krywolt and this year in 2020 i have switched both of my vehicle insurance policies over to Morgan again. She is an absolute pleasure to deal with - friendly, very quick to respond, professional. It is great to have one person to deal with instead of having to have multiple people for our various insurance needs.

Taylor Gudzowaty

June 4, 2020

I've had the pleasure of dealing with Kamel over the last 2 days and her professionalism and kind spirit made my experience a very positive one. i will strongly recommend to her to my close friends and family!

Emmy Velandra Georgianna

June 1, 2020

I had a fantastic experience using Krywalt. Kamal was very informative on what I needed to provide on my end, and the process that needed to happen to insure I received the best price for insurance. She was professional and very fast. I would definitely recommend anyone looking for hassle free and great price insurance to go through her and this company.

Sumir Saini

May 29, 2020

I have had the pleasure of dealing with Dan at Krywolt Insurance on a number of occasions respecting my corporate insurance policy. He has proven to be very knowledgeable, honest and timely with all my concerns. I would highly recommend both Krywolt and Dan if you are looking for a high level of personal service and honest advice.

Cara Bennett

May 29, 2020

Sherry was amazing. Very patient, gave thorough explanations on the policies, and helped with great savings. Thank you Sherry!

Bhupinder Mann

May 29, 2020

Sherry is so good whenever I need any document any queries she always helps us , such a amazing work sherry , thanks alot,good quality , professional, response, great value.thanks

Jim Freer

May 29, 2020

My wife and I were new to Canada from the UK. Therefore we had more difficult situations to setup our car insurance and our camper van insurance and trying to include our driving history. I can only honestly say that all the time Kamal went the extra mile, and was impressively responsive and professional, to help us with our car and house insurance needs. It is not in anyway exaggerating to say that Kamal has saved us thousands of dollars, particularly for our camper van, compared to other Canmore/Calgray broker quotes we were getting. I would not hesitate in recommending Kamal to anyone I know (and indeed I have already done so). We are very grateful to have Kamal as our insurance broker, it's rare to find someone so helpful in my experience (and I am 53 years old!), best wishes Professor Jim Freer

Jason Szott

May 29, 2020

Morgan was instrumental in helping me get the proper insurance i need on my house and vehicles. I would recommend her in a heartbeat!

Joel Park

May 28, 2020

Great company and team of people. We have been dealing with Darren for 6 years now and is always a pleasure. Jocelyne and Sherry are professional and responsive and they get things done quick and efficiently. I would definitely recommend them to anyone looking for outstanding service and the best prices.

Crystal Dyck

May 28, 2020

Wendy was amazing! She helped figure out exactly what I needed and got me the best policy! Who knew getting insurance could be so easy. Thanks Wendy!

Austin Hannaford

May 28, 2020

After having dealt with two different insurance brokers, Krywolt was my number one pick as they are very responsive and professional. I have worked directly with many of their staff, however I would highly suggest Dan Hannaford if you are looking for someone who knows his stuff and will do his best to get you the client what you require. They are a no joke insurance broker who will tell you upfront the real costs associated with your project. I highly recommend them to anyone who is in need of insurance.

Executive Training

May 27, 2020

As a new business owner I didn't fully understand the requirements for commercial insurance, however after calling Krywolt and speaking with Dan he was able to guide me through the process. His knowledge and experience was second to none and he made the process so easy. I called around to other firms and no one else was able to provide me with the recommendations I recieved from Dan. This is the place to call if your looking for insurance.

Heather Jamie Hannaford

May 27, 2020

We worked with Dan on setting up commercial vehicle insurance and it was a fantastic experience. Dan was very knowledgeable and made suggestions that improved our coverage and provided better protection for our company all while finding us the best price. Dan was very responsive to our inquiries and always got back to us quickly. Are experience with Dan was very positive and we highly recommend Krywolt insurance.

Diana B

November 7, 2019

I can’t say enough good things about this company and their representatives - especially a big shout out to Melaine!!! Their efficiency is over and beyond and they made all my insurance requirements big or small the easiest thing to do not to mention they saved me money by combining my coverages. Thank you all at Krywolt!

Property

Liability

Other

Automobile

We Know Commercial Auto Insurance

Who Should Buy We Know Commercial Auto Insurance

Who Needs Commercial Auto Insurance in Calgary?

1. Use of the Vehicle

2. Type of Vehicle

3. Vehicle Owner

4. Protect Your Vehicle Fleet

We Know Commercial Auto Insurance Coverage Options

Third-Party Liability Policy

Accident Benefits Coverage

Public Liability and Property Damage Liability/PLPD Coverage

Collision Insurance

Comprehensive Insurance

Uninsured Automobile Coverage

Specified Perils Insurance

Loss of Use Insurance/SEF 20

Rental Vehicle Insurance/SEF 27 or Hired and Non-Owned Auto Coverage

Accident Forgiveness Coverage/SEF 39

Frequently Asked Questions

Does Calgary Commercial Auto Insurance Cover Your Employee's Personal Vehicles or Your Own?

Does My Small Calgary Business Need Commercial Auto Insurance?

What Types of Vehicles are Covered by Commercial Auto Insurance?

What's the Difference Between Commercial Vehicle Insurance and Fleet Insurance?

Is Calgary Commercial Auto Insurance and Garage Liability Insurance the Same Thing?

What Doesn't Business Auto Insurance Cover?

Do You Need a Calgary Commercial Auto Insurance Policy?

Does Calgary Commercial Auto Insurance Cover Theft of Personal Items?

Are There Fees for Cancelling a Commercial Vehicle Insurance Policy?

What Factors Determine Premium Costs for Commercial Auto Insurance Calgary Residents Should Know?

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