COMMERCIAL AUTO INSURANCE

A Commercial Auto insurance policy not only covers your vehicles but also protects your business from lawsuits that may arise from accidents caused by your employees. The coverages provided are similar to those of a Personal Auto policy, including liability coverage for injuries or property damage caused by you or your drivers, collision coverage for the vehicles, and comprehensive coverage to protect against theft, vandalism, and weather-related claims.

Many people wonder if Commercial Auto insurance is necessary when they already have a Personal Auto policy. The simple answer is that a Personal Auto policy typically excludes claims related to the business use of those vehicles.

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• "I already have general liability insurance for my business, so I don’t need to purchase a Commercial Auto policy": In most cases, a general liability insurance policy will specifically exclude coverage for accidents that occur while driving for business purposes. Since general liability isn’t designed to cover the risks associated with driving business vehicles, both types of insurance are typically needed to fully protect your business.
• "If I buy a Commercial Auto policy, then everything I’m transporting in my vehicles is covered": A Commercial Auto policy is designed to cover the vehicles used for business and the liability for your drivers. However, it typically does not cover the contents being transported. To protect business property in transit, you would need to purchase a Commercial Property insurance policy.
• "A Commercial Auto policy will cover any medical expenses for my drivers if they get into an accident": While the Liability coverage in a Commercial Auto policy covers injuries and damages your driver may cause in an accident, it does not cover medical expenses for your drivers themselves. To ensure your drivers are protected in case of injury while operating a business vehicle, a Workers' Compensation policy would be required.

The most effective way to determine the right Commercial Auto insurance for your business is to consult with a licensed agent in our office. We can evaluate your specific insurance needs and provide you with quotes from multiple top-rated insurance companies.

Our experienced team is here to help you obtain multiple Commercial Auto Insurance quotes. As an independent insurance agency, we compare options from various providers to ensure you get the best coverage at the most competitive price.