Commercial Auto Insurance

If your business uses vehicles in any capacity, you will most likely need commercial auto insurance to cover your liability.

If your business uses vehicles in any capacity, you will most likely need commercial auto insurance to cover their liability. There is always a degree of risk whenever a company car hits the road, and you will likely be held liable if your employee is found at fault in case of a car crash. In such cases, having a comprehensive commercial auto insurance policy is a godsend as your insurer will cover potential damages and medical costs, preventing any undue financial strain from falling on your company.

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Vehicles Covered by Commercial Auto Insurance

Also referred to as commercial car insurance, fleet insurance, or truck insurance. Commercial auto insurance policies usually cover commercial fleet vehicles. This includes box trucks, food trucks, service utility vans, work vans, delivery vans, and taxi cabs. Even ordinary, non-fleet vehicles regularly used for business activities may require coverage from a commercial auto policy. This policy will cover the employees driving the vehicle and, in some cases, the goods or equipment being transported in the vehicle. If someone who isn’t covered by commercial auto insurance drives a company car on more than one emergency occasion, make sure you add them to the policy to reduce your liability.

What Does Commercial Auto Insurance Cover?

Just like a personal car insurance policy, the commercial version provides coverage for collision, liability, medical payments, or personal injury protection, and uninsured motorists. However, since these policies are designed specifically for commercial vehicles, they are slightly different from personal auto policies. Here is what you can expect your commercial vehicle policy to provide;

Property damage liability coverage

Protects you and provides a legal defense if your vehicle is responsible for damaging someone’s property.

Bodily injury liability coverage

Covers costs resulting from bodily injury or death due to an accident that has been determined to be your fault. It also grants you legal defense in most cases.

Medical payments, no personal injury, or no-fault coverage

Covers the medical expenses of the driver and potential passengers resulting from a covered accident, regardless of whoever is responsible for causing the accident

Uninsured motorist coverage

Pays for you or your employee’s injuries and certain property damage resulting from an accident caused by an uninsured driver. Some policies also include underinsured motorist coverage for cases where the at-fault driver doesn’t have enough insurance to cover the damages and medical costs.

Collision coverage

Covers damage to your vehicle in case it is hit or hits another object

Comprehensive physical damage coverage

Provides coverage if your vehicle falls prey to theft, vandalism, fire, flood, or other covered risks

Get Commercial Auto Insurance for Your Business

At the Comprehensive Insurance Agency, we strive to protect your business from suffering losses due to vehicular mishaps. If you choose to work with us, we will leverage our connections with over 25 of the nation’s superior commercial auto carriers to get you the best commercial insurance programs at the best prices. Contact us today for a quote. We’ve got you covered!

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