Commercial Auto

Your vehicles may not the primary way your business makes money, but they could end up becoming the primary way you lose money. Without a full business auto insurance policy, you may be left underinsured.

Drive Confidently

Commercial auto insurance provides liability coverage (including bodily injury, property damage, and more) and coverage for damage (comprehensive and collision) for your vehicles.

It can protect your company from any liability stemming from automobiles used in your business or any damage to the covered automobile.  A Business Auto Policy (BAP) has the flexibility to provide coverage for business, personal, non-owned, or hired autos based on the coverage purchased and applied to each scheduled auto.

This policy can provide coverage for:

• Comprehensive and Collision
• Emergency Roadside Assistance
• Liability
• Medical Payments
• Loss of Earnings
• Uninsured Motorist

Why is Commercial Auto Insurance Important?

Whether your vehicle is essential for your daily operations or something you only occasionally use for work, you need an auto insurance policy customized for your business. You may be required by law to have commercial auto insurance. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage. The most common state requirements are liability insurance for injuries and property damage. Some states also require uninsured/underinsured motorists’ coverage and medical payments coverage (also known as personal injury protection). The types of vehicles your business is using, how they are being used and who is using them will determine the specifics of what kind of insurance you need.

A personal auto policy is not enough to cover vehicles used for business. Commercial auto insurance can:

• Cover business uses that personal auto policies don’t include
• Offer more liability coverage to protect you
• Include cars, pickup trucks, box trucks, and more

Example: On a job site, a carpenter accidentally backs into the homeowner’s car. Commercial auto insurance could cover the damage.