Commercial Auto Insurance
Tailored Commercial Auto Insurance for Vehicles Used in Business
On the Road to Success
Commercial auto insurance provides essential coverage for vehicles used in business operations, protecting against damages and liability in the event of an accident. This type of insurance covers a range of vehicles from cars and vans to trucks and trailers, and it's designed to address the specific risks associated with business use. Coverage typically includes liability for bodily injury and property damage, collision and comprehensive damage, and may also offer protection for uninsured motorists and medical payments. When applying, it's important to accurately detail vehicle use, ensure adequate coverage limits to protect your business assets, and consider any additional coverages that might be necessary for your specific industry.
Keeping Your Business in Motion
Our team is dedicated to helping you navigate the complexities of commercial auto insurance, ensuring your business vehicles are properly protected with policies tailored to your unique needs. We understand that every business is looking for ways to save without compromising on coverage. That's why we offer various discounts, such as those for safe driving records, commercial driver's licenses, and multiple policies. When discussing your needs with our agents, it's crucial to inquire about the specific coverages that apply to your business, potential discounts, and how claims are handled to ensure swift and efficient service. Let us help you secure the right insurance at the best value, keeping your business moving forward safely and confidently.
Frequently Asked Questions
What is commercial auto insurance and who needs it?
Commercial auto insurance is designed to cover vehicles used for business purposes—from deliveries and hauling equipment to transporting clients. If your company owns commercial vehicles or uses personal vehicles on job sites, you’ll likely need this policy to meet insurance requirements and protect against liabilities.
How much is commercial auto insurance per month?
The average cost of commercial auto insurance varies widely based on your industry, vehicle type, driving history, and location. Still, many businesses ask, how much is commercial auto insurance per month? Rates may range from $100 to $300+ per vehicle. For tailored numbers, a commercial auto insurance quote is the best place to start.
What does commercial auto insurance cover?
Typical coverage options include liability coverage for bodily injury and property damage, medical payments, uninsured motorist protection, and damage to your vehicle. Add-ons like commercial auto rental insurance and temporary commercial auto insurance help bridge short-term gaps or rental scenarios.
Is there a difference between personal and commercial policies?
Absolutely. The commercial auto insurance vs personal auto insurance distinction is important. Commercial vehicle insurance is designed for work-related use and often includes higher limits and different types of coverage. That said, the commercial vs personal auto insurance cost difference can be significant. Businesses get broader protection, but you'll pay accordingly.
Can you use a commercial auto policy for personal driving?
Many ask, does commercial auto insurance cover personal use? The answer: it depends. If your vehicle is covered by a commercial auto policy, personal use may or may not be included. Clarify this with your insurance company to avoid coverage gaps.
How do you get a commercial policy for a rented vehicle?
If you rent vehicles for business activities, commercial auto rental insurance may be necessary. This ensures proper insurance coverages extend to temporary or leased vehicles used on job sites or during deliveries.
What's the process of getting insured?
To get started, you’ll need to provide vehicle details, usage information, and driver histories. An experienced insurance agent will help you compare insurance rates and guide you through available coverage options.
Can personal vehicles be covered under a commercial policy?
Yes. If an employee or owner uses their own car for business purposes, the vehicle can often be listed on the company’s commercial auto insurance cover. Be sure to distinguish it properly so it’s protected beyond the scope of personal auto insurance.
