Commercial Auto Insurance

Just as important as your personal coverage, you want to be sure your commercial vehicles used in conducting your business are protected as well.

We can list all of the options that may be right for your business as a price that you can work with!

What is commercial auto insurance?

Commercial auto insurance covers what is not protected on your personal automobile insurance policies.

Commercial auto insurance protects you against physical damage to your commercial vehicles and other liabilities.

For many businesses, commercial auto assets can be the sole means or a large portion of how your business runs. Make sure you are covered!

Why do you need commercial auto insurance?

For many businesses, commercial auto assets can be the sole means or a large portion of how your business runs. Make sure you are covered!

Personal auto policies do not cover certain business usage and vehicle types.

Commercial and Personal auto insurance policies are written and rated differently.

Most businesses need the specific coverage that is included in commercial auto insurance policies.

When you need commercial auto insurance

We can help you determine if commercial auto insurance is needed.

Other than commuting, if a vehicle is used in tasks related to the operator’s occupation, profession or business, a commercial policy is necessary.

Here are some scenarios when commercial auto insurance is needed:

• IF you or an employee or representative of your business uses a vehicle to transport goods, transfers people for a fee or if a vehicle is used to conduct a service
• IF you need higher limits of liability due to the nature of your work
• IF you are hauling a considerable weight in equipment or towing a trailer used to conduct your business
• IF employees operate the vehicle or if ownership is in the name of a corporation or partnership

What does commercial auto insurance cover?

In addition to liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorists, a commercial auto policy will provide additional protection.

There are also differences between a commercial auto insurance policy and your personal auto insurance policy that may include eligibility, definitions, coverages, exclusions and limits.

Commercial auto policies will cover the following:

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
• Property damage liability coverage – provides you with protection if your vehicle accidently damages another person’s property and in most cases provides you with a legal defense.
• Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
• Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
• Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
• Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.

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