Commercial Auto Insurance

Commercial Auto Insurance

Business auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicle

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery.

Note not all Personal Auto Policies are the same, some insurance companies use nonstandard forms. Generally they restrict business use to private passenger autos, pickups and vans.Remember, box trucks, tractor trailers, shuttle busses and other commercial-type vehicles require a commercial auto policy.Also if you have employees driving your personal auto you need a commercial auto policy.

Every business is unique – contact us today to find out how to get the best business auto insurance, service, price and value.