Commercial Auto Insurance
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Commercial Auto Insurance Information
Commercial Auto Insurance in Philadelphia PA & King of Prussia PA
As a full-service insurance agency, Dorsey & Associates Insurance strives to offer only the best in personalized commercial auto insurance services to all Pennsylvania residents. If you’re a resident of Philadelphia & King of Prussia or the surrounding region, then we’re here to make your search for quality benefits simple, efficient and affordable.
All commercial vehicle owners in Pennsylvania require commercial auto insurance. It will help you protect company vehicles, employee drivers and cargo in transit against any roadway hazards or unexpected vehicle accidents. Don’t get behind the wheel without it.
Call us at 215-713-2886 or request your free commercial auto insurance quote now!
Common Commercial Auto Insurance Questions:
Why do I need commercial auto insurance?
When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be the one to suffer if something happens to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance, and as a result your company won’t face financial setbacks just because an accident occurred.
Who needs commercial auto insurance?
Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specialized coverage terms that are designed to protect the company’s investment in the vehicles.
Various vehicles and drivers might need to be covered by a commercial auto policy. These include:
Vehicles owned by a business
Employees who drive their personal cars on business-related errands
Company cars provided to employees for commercial and private use
Vehicles hired or rented by the business
Certain personal vehicles that qualify as commercial due to their weights or sizes
What does commercial auto insurance cover?
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additionally, other policies and endorsements might help you expand your benefits, such as:
Inland Marine Insurance
Rental Car Reimbursement
Custom Parts Coverage
Is commercial auto insurance required?
Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you.
You must carry coverage that meets all standards set by Pennsylvania's mandatory insurance laws. Minimum coverage limits are:
Medical Benefits (No-Fault): $5,000
Bodily Injury Liability: $15,000 per person/$30,000 per accident
Property Damage Liability: $5,000
Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.
Limited or Full Tort — You can choose to have full or limited tort coverage. Limited tort coverage offers you a savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses; however, you are not able to recover certain damages - such as payments for pain and suffering - unless the injuries meet one of the exceptions to limited tort as defined in Act 6 of 1990, title 75, section 1705 (d). With full tort coverage selection, you retain unrestricted rights to bring suit against the negligent party.
Regardless of any requirements, the benefits you will receive by investing in higher levels of coverage will ensure you have a high degree of protection in the event of any particularly challenging vehicle issue.
How much does commercial auto insurance cost?
Numerous factors can influence the costs of commercial auto insurance, including the type of coverage you buy, the location of your business and the value of the vehicles to be insured.
Our agents are committed to working with you to optimize benefits in ways that will still keep your auto insurance affordable, even as you build upon your coverage to ensure you receive the highest level of protection.