Commercial Prorate

We provide protection options as unique as you are

Commercial Prorate

We provide protection options as unique as you are

Commercial Prorate in British Columbia

Whether you’re a single owner-operator or a commercial fleet of trucks, Johnston Meier Insurance understands the value of comprehensive insurance to protect your business interests. Meeting the minimal requirements with basic coverage from ICBC isn’t enough to take care of drivers and their trucks after an accident. At the same time, you want to make sure you’re getting an affordable insurance rate that covers your financial liabilities for damages, injuries, and other costs.

Our team of insurance professionals will help you find commercial prorate coverage that meets the needs of a lone driver or a fleet of trailers navigating the highways and city streets of Canada and beyond. We serve clients throughout British Columbia who wish to enhance their coverage beyond ICBC’s mandatory basic insurance benefits. Commercial truckers face more expensive costs for every aspect of maintaining their business, including insurance for their trucks. We have a network of insurance providers we work with and can organize the best coverage possible at reasonable rates. It’s our pleasure to support the commercial drivers who brave the year-round weather, road conditions, and traffic to deliver products throughout the Great White North and beyond.

Minimal Coverage with ICBC Insurance

With ICBC’s basic coverage, you get the minimum insurance coverage our province requires to operate a vehicle legally. Every vehicle must have this coverage to ensure protection if a driver causes or is involved in an accident or another situation that causes damage or injury. This includes passenger vehicles, recreational vehicles, commercial trucks, off-road vehicles, motorcycles, and any other motorized vehicle that shares the road. With basic insurance coverage, you get an assortment of benefits to cover your post-incident financial burdens. Third-party liability covers you up to $200K in damages or injuries if you’re found responsible for an accident, while protection against uninsured or hit-and-run drivers also pays the same maximum. Other benefits of ICBC basic coverage include underinsured motorist protection, inverse liability coverage, and accident benefits to cover medical expenses, loss of wages or benefits, and other costs regardless of who is responsible for a collision. The trouble is your basic insurance might not be adequate coverage, and the expenses of an accident involving truckers can easily exceed your benefits and drain your accounts. While you can get additional coverage with ICBC to supplement your insurance needs, going through a private insurance provider can also get you comprehensive benefits at affordable rates.

Extensive Insurance Options for Fleets & Single Drivers

With Johnston Meier Insurance, we’ll work with you and our network of insurance providers to get you commercial prorate coverage that safeguards your trucks, drivers, and financial interests. We have in-depth industry knowledge and experience to help you with various trucking concerns, such as garage policies and cargo coverage. We tailor our insurance solutions with a wide range of products to each client’s specific commercial situation and needs. Whether you run a large fleet of trucks, or you’re a small owner-operator, our coverage options fit short- and long-haul driving throughout Canada, the United States, and elsewhere. Prorated insurance allows us to adjust your premium amount proportionally to any changes you make to your policy, including downgrades, upgrades, and cancellations. This flexibility ensures you get the appropriate rates for the exact coverage you carry. With commercial trucking, you may travel between provinces or internationally. Prorate plates are issued to commercial trucks and other vehicles whose routes regularly take them into two or more jurisdictions in Canada, as well as the United States. Our insurance professionals are ready to work with you to find the commercial prorate solutions you need to run your trucking business safely and with sufficient coverage.

We Offer ICBC Renewals to Commercial Drivers

Every driver deserves coverage that fits their needs and budget, and it should protect them if they’re involved in a vehicular accident. Commercial trucks can face an expensive outcome from a collision, which is why our province requires all vehicles to carry basic coverage with Insurance Corporation of British Columbia. This minimal coverage keeps your commercial fleet on the road legally, while additional insurance from ICBC or a private insurer has you covered for the rest of your financial worries. To ensure your commercial truck is always following provincial codes, Johnston Meier Insurance offers ICBC renewals for all drivers like you to stay up-to-date on your mandatory coverage. We want to help your commercial fleet or standalone operation to succeed, and a vital step to making sure your wheels keep spinning is to have ICBC basic coverage.

Helping British Columbia Trucks Stay Insured

Johnston Meier Insurance can help you cover your commercial trucking operation with adequate insurance to supplement the already-required ICBC insurance. Additional coverage from our network of private insurers gives you peace of mind knowing that your financial welfare is protected if one of your trucks is involved in an accident. Request a quote today to see what we can offer you. Or, contact us to learn more about our insurance options.

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We've been with Johnston Meier ever since we started our Home Improvement Company. Garrin & his staff always impress with their attention to detail and customer service. Couldn't be happier

GL Installations


We've been with this company over 20 years for business, residential and auto coverage. Trustworthy, top level service year after year from knowledgeable, courteous staff. Absolutely recommend for all types of insurance.

Patti & John Donnelly

Jopa Builders Ltd.

I have been through a series of moves including building a new house, furniture in storage, renting for a short period, etc.  Colleen at your Salmon Arm office took care of all the steps along the way, explaining everything and following up as necessary. Thanks!

Irene Rogers


Purchased our Travel Medical from Sue..she was extremely helpful at explaining our options. Then moved our Home Insurance to JM after speaking with Rina. Very professional! Felt that she was clearly acting in our best interest as she reviewed our policy options.

Ted & Linda Voykin


All the staff at your office always provides the highest standard of performance of any business I deal with.

Wilf Zemke


Five Stars
In all the years of dealing with insurance companies, I have never been treated so exceptionally well before! Shari Kidney made my experience amazing, she was extremely helpful, kind, and professional. She made a normally stressful task, quick and easy. Absolutely excellent customer service, I left the office feeling like I mattered and I highly recommend the Johnston Meier Group! Thank you Shari.



We are delighted with the personalized service you provided us in tailoring our insurance package to our needs and went out of your way to direct us to savings options, including the credit score discount!

Don & Judy Pohl


We appreciate Trish's professional expertise & trust her to ensure we have the proper coverage for our needs. Thank you for years of keeping us safe.

Mick & Joyce Godwin


Johnston Meier Insurance Agencies Group goes the extra mile to ensure their clients are truly taken care of. The staff gives us a lot of personal attention, and we certainly recommend the insurance agency to everyone.

Doug & Yvette Schwartz


We've used the Johnston Meier Mobile department since opening Maple Ridge Hyundai. We can always rely on them to provide our customers and staff with quick efficient service and highly recommend them.

Karen Souza

Finance Manager

Contact Us with Questions or to Request a Quote

Let us know if you would like more information before visiting one of our locations. Someone from the closest office with the right experience will contact you to help with your questions.

Don’t worry – we won’t use your contact information for anything other than replying to your request.

Let us know if you would like more information before visiting one of our locations. Someone from the closest office with the right experience will contact you to help with your questions.

Don’t worry – we won’t use your contact information for anything other than replying to your request.

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