Commercial Auto Insurance

Commercial auto insurance helps protect small businesses from liability and physical damage related to the company’s automobiles. Whether work vehicles are used to make deliveries, haul equipment, convey clients, or run errands, small businesses need adequate commercial vehicle coverage.

From company cars and work vans to utility vehicles and box trucks, providing commercial auto coverage for all of your business vehicles means you may be protected from unexpected incidents that could harm you, your employees, your property, or a third party.

What’s typically covered by commercial auto insurance?

Auto Liability Coverage

Commercial auto insurance helps protect the small business from lawsuits for property damage or bodily injury caused by an accident involving an insured vehicle.

Physical Damage Coverage

Commercial auto insurance helps cover damage to vehicles owned by a small business. This includes comprehensive coverage for issues like hail, theft, and vandalism, plus collision coverage in case the vehicle overturns or collides with an object.

Uninsured/Underinsured Motorist Coverage

Commercial auto insurance helps protect a small business if the work vehicle is involved in a hit-and-run accident or by a driver who does not have adequate insurance.

No-Fault Coverage

Commercial auto insurance helps pay for medical bills, loss of income, and other expenses regardless of who is at fault. No-fault coverage is also known as personal injury protection (PIP) coverage and is required in nearly twenty states.

How does commercial auto insurance protect small businesses?

People protection

  • Helps cover medical costs for employees in case of an accident

  • Provides support for loss of income and other expenses

Financial protection

  • Ensures your work vehicles are covered so you can keep doing business

  • Protects you and your employees in case of an accident

What other types of insurance might my small business need?

While general liability insurance protects you, your business, and your employees in the case of bodily injury, property damage, or personal injury claims, small business owners should consider other types of insurance:

 

Workers’ compensation insurance provides medical, disability, survivor, burial, and rehabilitation benefits to employees who experience illness, injury, or death due to a work-related incident. In nearly all states, and with few exceptions, businesses are required by law to carry workers’ compensation insurance. Get a workers’ comp quote in 3 minutes.

 

Cyber insurance protects your business against data breaches and cybercrime such as computer hacking and stolen information.

 

Business owner’s policy (BOP) insurance offers bundled protection from claims related to property damage, fire, personal injury, advertising injury, and other issues.

Make sure you're covered

Let us help you get find the best quote and coverage for your business. Contact us to get a commercial auto insurance quote today.

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