Let us find the right coverage for Your Commercial Auto Insurance Policy

Commercial auto liability insurance is one of the most essential types of coverage for businesses that use company-owned vehicles, service vans, or delivery trucks. This coverage helps protect your business from financial loss if one of your drivers causes an accident. It covers bodily injury and property damage liability, assisting with medical expenses, vehicle repairs, and legal fees. It’s crucial for businesses that rely on vehicles for their operations.

Collision coverage for business vehicles helps pay for repairs or replacement costs if your vehicle is damaged in a collision, whether with another vehicle, object, or even if it overturns. This coverage keeps your business operational without unexpected costs due to vehicle damage, ensuring your fleet stays in good condition.

Comprehensive commercial auto insurance protects your vehicles against non-collision incidents, such as theft, vandalism, fire, or severe weather events. If your vehicle is stolen or damaged by a natural disaster, this coverage will help cover the repair or replacement costs. It’s especially important for businesses that rely on vehicles for daily operations, as it reduces downtime and prevents unexpected expenses.

If your commercial vehicle is involved in an accident with a driver who has little or no insurance, uninsured or underinsured motorist coverage helps cover the costs. This protection ensures that your business isn't left responsible for medical expenses and repairs resulting from accidents caused by drivers who don't have enough insurance coverage. Businesses in fields like healthcare, law, and finance often opt for this coverage to avoid financial strain from uninsured accidents.

If your business rents, leases, or allows employees to use personal vehicles for work purposes, hired and non-owned auto insurance is essential. This coverage protects your company from liability claims if an employee gets into an accident while driving a non-company-owned vehicle for business activities. This protection helps ensure your business remains financially secure even when using vehicles outside your direct ownership.

Cargo coverage protects the goods being transported by your commercial vehicle. It covers loss or damage due to accidents, theft, or natural disasters while in transit. Essential for businesses shipping products, this coverage ensures your inventory is safe, preventing financial losses from damaged or stolen goods.

Over-the-road/long-haul coverage is designed for vehicles traveling long distances, offering protection for accidents, theft, and injuries during extended trips. It ensures your business is covered whether you're shipping regionally or cross-country, protecting your vehicle and driver from risks encountered on long-distance routes, reducing potential financial strain.