Commercial Auto Insurance in Manitoba: MPI & SRE
Business vehicles in Manitoba start with the provincial Autopac framework. MPI's Special Risk Extension program adds specialized commercial protection for vehicle classes and risks that need different coverage.
Key points
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Use this as research context and confirm the current rule, contract and policy wording for the specific business.
Vehicle class and operating use drive the coverage path
Weight, operating radius, whether passengers or goods are carried for compensation and fleet structure can affect whether Basic Autopac is enough or SRE coverage is needed.
SRE can provide primary or extension coverage
MPI lists commercial classes that can obtain physical-damage protection, higher insured values, different deductibles, increased liability or other customized coverage through SRE.
Downtime is a separate business exposure
A revenue-producing vehicle can create replacement-transportation costs when it is unavailable. Commercial Loss of Use can address some of that expense under its policy terms, while broader lost income may require business-interruption analysis.
Verify the current Manitoba guidance
Commercial insurance products and statutory requirements can change. Start with the source below and then compare it with the business's actual operation, contracts and policy documents.
Manitoba Public Insurance — Commercial insurance coverage →