Commercial Auto Insurance
Businesses that operate vehicles for the performance of their operations should consider purchasing a commercial auto policy. Certain federal or state laws may require commercial vehicles and drivers to have this type of insurance. If you need commercial auto insurance or want to make sure your business meets certain requirements, contact us today.
What is Commercial Auto Insurance?
A commercial auto insurance policy can help cover costs such as property damage and/or medical expenses caused by a car accident where you or another employee was driving. Commercial auto coverages typically include liability coverage, collision, medical expenses, comprehensive coverage, and also protect you from uninsured or underinsured motorists. There are additional coverages that a business may need on its commercial auto policy. Our agency can help you review your business’s insurance needs and ensure you have the right coverages.
What does commercial auto insurance cover?
Commercial auto insurance comprises several coverages, including:
- Liability coverage can cover the costs of repairing the other person’s vehicle or property. It can also provide coverage for legal fees associated with a personal injury claim.
- Comprehensive coverage can provide comprehensive protection for damages not related to an accident, such as losses from theft, flooding, vandalism, and fire.
- Collision coverage can cover vehicle repair costs if an insured vehicle collides with another vehicle or an object. Collision insurance also helps replace a vehicle in its entirety.
- Medical payments can provide coverage for passengers and the driver when there is a need for medical care as a result of an accident.
- Uninsured motorist coverage provides coverage for bodily injury if an uninsured driver hits a company vehicle and injures the driver and passengers. Some uninsured motorist coverages also cover damage to the company vehicle.
- Underinsured motorist coverage provides coverage if an underinsured driver hits a company vehicle and injures the driver and passengers. Some underinsured motorist coverages also cover damage to the company vehicle.
Commercial policy endorsements may also be available and help you have a policy with more and better coverage. There are also add-on services such as roadside assistance, towing reimbursement, coverage for equipment you hire that you don’t own, rental reimbursement, and coverage for auto loans or leases.
How to Get Commercial Auto Insurance?
If your business needs commercial auto insurance, we’re here to help. Contact us today for a quote or to discuss your commercial auto insurance needs.