Commercial Auto Insurance
Whether you have a fleet of vehicles or just one commercial vehicle, consider commercial auto insurance for your business.
Add an extra layer of coverage to your auto policy.
A vehicle collision is never good news, but when it’s one of the cars or trucks owned by your business, the consequences are more complicated. Commercial auto insurance includes many of the same protections as a personal auto policy while adding coverage designed specifically for business vehicles.
Coverage may include:
- Bodily Injuries
- Collisions
- Named Perils
- Property Damage
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Liability Coverage
Risk Factor
Being involved in a covered accident can result in legal exposures and damages, potentially leading to costly legal battles and financial liabilities.
Solution
Liability Coverage protects you from costs like legal liability, accident-related injuries, or accident-based damage in the event of a covered accident.
Bodily Injury Liability Coverage
Risk Factor
At-fault accidents can result in severe bodily harm to others, imposing a heavy financial burden due to medical expenses and potential legal costs.
Solution
Bodily Injury Liability Coverage can ease the financial strain by covering expenses related to bodily harm or death from an at-fault accident, typically including legal costs.
Property Damage Liability Coverage
Risk Factor
Unintentional damage to someone else's property caused by your vehicle can lead to significant repair costs and financial liability.
Solution
Property Damage Liability Coverage protects you by covering the costs if your vehicle unintentionally causes damage to another person's property.
Medical Payments Coverage
Risk Factor
Accidents can result in medical expenses for you and your passengers, regardless of who is at fault, leading to unexpected financial burdens.
Solution
Medical Payments Coverage helps pay for these medical expenses, providing financial relief after a covered accident.
Uninsured Motorist Coverage
Risk Factor
Injuries and property damage caused by uninsured or hit-and-run drivers can leave you without adequate compensation, leading to financial hardship.
Solution
Uninsured Motorist Coverage protects you from these risks, covering injuries and property damage, and often includes underinsured motorist coverage for cases where the at-fault driver's insurance is insufficient.
Comprehensive Physical Damage Coverage
Risk Factor
Non-collision incidents like theft, vandalism, flood, or fire can cause significant damage to your vehicle, resulting in expensive repairs or replacement.
Solution
Comprehensive Physical Damage Coverage compensates for such damages, offering financial protection against these non-collision risks.
Collision Coverage
Risk Factor
Collisions with other objects can cause extensive damage to your vehicle, leading to costly repairs.
Solution
Collision Coverage pays for the damage to your vehicle in the event of a collision, alleviating the financial impact of such incidents.
Higher liability coverage than auto insurance for individuals.
Commercial auto insurance often provides higher liability limits than personal auto insurance because businesses typically have more assets at risk. Higher coverage limits may help protect your business from costly claims resulting from an accident involving a covered vehicle.
Additionally, collision coverage may help pay for damage to your business vehicles regardless of who caused the accident. This protection is often required when commercial vehicles are leased or financed.
Do your employees need coverage on their personal vehicles?
If your employees use their own personal vehicles for business-related activities and are involved in an accident, your business could potentially be held liable.
With non-owned auto liability coverage, your business may have added protection when employees use their personal vehicles for work purposes.
Essential for employees who use their own vehicles for work.
Non-owned auto liability coverage can be added to a commercial auto insurance policy or purchased separately. It is designed to help protect your business when employees drive their own cars or trucks while performing work-related duties, such as visiting clients, making deliveries, or traveling between job sites.
This type of coverage may help reduce the risk of legal and financial complications if an accident occurs while an employee is driving for business purposes.
Commercial auto insurance is an essential coverage for many businesses. Contact us today to learn more about commercial auto insurance, discuss your specific needs, and explore coverage options for your business vehicles.
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