Damage to your vehicle(s)
Commercial Auto
What is Commercial Auto Insurance?
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Driver injury
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Injury to someone else
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Damage to someone else's property
Commercial Auto Insurance covers physical damage and liability for automobiles, trucks, and vans used for commercial purposes. Since commercial vehicles are usually subject to more risk than personal ones, they need their own coverage. Our carriers offer many benefits such as personalized coverage, affordable rates, discounts, first-rate claims assistance, and more. To determine the best coverage for your business, contact us for a personalized quote.
Who Requires Commercial Auto?
Commercial auto insurance is typically required for businesses that utilize automobiles for operational purposes. This covers businesses that own or rent automobiles, trucks, vans, or other types of vehicles to move people, equipment, or supplies.
Contractors: Commercial vehicle insurance is usually required for contractors, landscapers, construction businesses, and other tradesmen who transport tools and equipment to job sites using trucks or vans.
Delivery companies: To safeguard their drivers, vehicles, and cargo, businesses that utilize automobiles or trucks to deliver goods to consumers should get commercial auto insurance.
Transportation services: Businesses that provide delivery services.
Food services: Businesses that utilize cars to transport food or run mobile kitchens, such as restaurants, food trucks, and caterers, typically need a commercial auto coverage.
Non-profit organizations: Your company may need commercial auto insurance if you drive volunteers or clients in buses or vans.
Obtain Specialized Commercial Auto Insurance for your Business.
Your business and income can be safeguarded following an accident by selecting Commercial Auto insurance coverages that are tailored to your individual needs. The following coverages are usually included in a Commercial Auto policy:
Liability: Offers protection against harm to third parties or destruction of their property in the event that you cause an accident.
Collision: Covers replacement or repair costs in the event that your car rolls, overturns, or collides with another object.
Comprehensive: Assists in covering the cost of replacing or repairing your car in the event that it sustains damage from an incident other than a collision, like theft, vandalism, fire, or bad weather.
Uninsured/underinsured motorist (UM/UIM): Provides financial assistance in the event that you are involved in a collision with a party whose liability insurance is insufficient to cover the harm to your body.
Medical payments: Regardless of who is at blame, medical payments, or MedPay, cover you and your passengers in the event of an accident resulting in injuries.
What Aspects Affect the Cost of Commercial Auto Insurance?
Rates for commercial auto insurance can be influenced by a number of factors that raise the possibility of submitting a claim. The driving histories of the people who are driving the cars are one important consideration. Due to increased risk, a history of DUIs, traffic infractions, or accidents may result in higher premiums.
Premiums can also be impacted by outside factors including market trends, industry laws, and the dynamics of the insurance sector. Businesses looking for inexpensive and comprehensive commercial auto insurance coverage that meets their needs must be aware of these aspects.
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