Individually Rated Commercial Auto

IRCA offers protection for up to four commercial power units within a wide range of industries, including service technicians and wholesale delivery.

Target classes

Our IRCA insurance offering is designed to help drive your client’s business forward in the following industries:

  • Service technicians
  • Contractors
  • Wholesale delivery
  • Manufacturers
  • Distributors


  • Up to $5,000,000 liability limits on low-to-medium hazard commercial auto exposures
  • Competitive criteria and pricing for driving records 5 and 6
  • Industry leading new driving record for 6 Plus
  • Enhanced pricing sophistication with new rating discount factors based on driver age, vehicle age, vehicle safety rating, vehicle count and vehicle weight -- to ensure the most competitive pricing for our target customers
  • Competitive discounts to help you attract and retain your best clients:
    • New Business Loyalty 
    • Renewal Loyalty
    • Conviction Free

How do I place business with RSA?

Commercial Insurance - Montreal Office
Commercial Insurance Mailbox - Quebec Office

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*Please note that in Quebec, restaurant are not underwritten.

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