Commercial Auto Insurance

What Is Commercial Auto Insurance?

Commercial auto insurance protects your business against physical damage and liability for amounts, situations, and usage not covered by a personal auto policy.

Knowing the difference between a personal auto insurance policy and a commercial auto policy is important.

This type of business insurance covers a variety of vehicles.  You may also have heard of this coverage referred to as Commercial Auto Insurance, Commercial Car Insurance, Truck Insurance, or Fleet insurance.

Do I Really Need Another Policy?

Any business that uses cars, trucks and vans to conduct business should have a commercial auto insurance policy to protect its assets.  Large fleets as well as small businesses should be properly covered by a commercial auto insurance policy.

What If I’m A Paid Driver?

Vehicles used for certain business purposes may be excluded from personal policies.  Since personal auto policies were not meant for businesses, they are written and rated differently.

If you take your business seriously, it’s a smart decision to get a commercial auto insurance policy to make sure you are protected.

What Does A Commercial Auto Insurance Policy Cover?

Commercial auto insurance provides similar coverage to your personal auto insurance policy such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage.

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

Here are some of the coverages:

• Bodily injury liability coverage
• Property damage liability coverage
• Combined single limit (CSL)
• Medical payments, no-fault or personal injury coverage
• Uninsured motorist coverage
• Comprehensive physical damage coverage
• Collision coverage

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