Commercial Auto Insurance

Commercial auto insurance provides protection for vehicles used for business purposes. It covers liability and physical damage for company-owned vehicles, as well as vehicles operated by employees for work-related tasks. It’s essential for businesses that rely on transportation for goods, services, or employees.

Key Coverages in Commercial Auto Insurance

Liability Coverage

Bodily Injury Liability:

Pays for injuries to others caused by your business vehicle.

Property Damage Liability:

Covers damage to other people’s property.

Collision Coverage

Pays for damage to your business vehicle from a collision, regardless of fault.

Comprehensive Coverage

Covers non-collision damage such as theft, fire, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage

Protects your business if an uninsured or underinsured driver causes an accident.

Medical Payments Coverage

Pays for medical expenses for drivers and passengers in your business vehicles.

Hired and Non-Owned Auto Coverage

Covers vehicles your business rents or employees’ personal vehicles used for work.

Cargo Coverage (Optional)

Protects goods being transported in your commercial vehicles.

Rental Reimbursement and Towing

Covers costs for temporary replacement vehicles and roadside assistance.

Classes of Vehicles Covered

Commercial auto policies can cover a wide range of vehicles, including:

Light Vehicles

Passenger cars, SUVs, minivans used for business purposes.

Pickup Trucks and Vans

Common for contractors, delivery services, and trades.

Medium-Duty Trucks

Box trucks, utility trucks, service vehicles.

Heavy-Duty Trucks

Tractor-trailers, semi-trucks, dump trucks.

Specialty Vehicles

Tow trucks, food trucks, refrigerated trucks.

Fleet Vehicles

Multiple vehicles owned by the business under one policy.