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Commercial/Business Auto                                                      
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If you have company vehicles, you have liability on wheels!

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask us to explain all the differences and options.

 

Who Needs Commercial Auto and Truck Insurance? 

If you are the owner of a small-or-medium sized business, Commercial Auto Insurance offers:

  • Coverage on your company's vehicles, whether just one, or an entire fleet
  • Protection for your business against potentially devastating liability costs resulting from an accident involving your vehicles
  • Quality coverage providing protection tailored to your needs

Commercial Car and Commercial Truck Insurance is generally offered in conjunction with premium coverage's such as general liability or commercial packages. Policies often include multiple-vehicle and claim-free premium discounts, plus direct billing and other payment options. Depending on your business, available coverage's generally include:

  • Bodily Injury
  • Property Damage
  • Uninsured and Underinsured Motorists
  • Medical Payments
  • Comprehensive
  • Collision
  • Motor Truck Cargo
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