Commercial Auto Insurance
Protection For Business Vehicles
Keep Your Company Protected On The Road
Commercial auto insurance protects not only vehicles, but also drivers! These policies can cover a combination of vehicle types (trucks, cars), as well as some types of motorized equipment. It can provide for bodily injury liability and property damage while operating a company automobile, as well as medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. And, in cases where another person is involved, it may cover their injuries and/or damage.
Our Commercial Auto Insurance
Hired/Non-owned Auto Liability
This helps to provide coverage for vehicles used that are not owned by the company. If you are renting cars, or if your employees ever use their own vehicles for business purposes, this is a must. This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or an employee using their own vehicle on company business (non-owned). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
If you use your personal vehicle for business with only individual auto insurance, beware! Insurance policies for privately-owned vehicles may not cover damage to your privately owned car or truck when it is used for business, including home cosmetics, jewelry sales or a pizza delivery business. Look into a Commercial Auto plan toda
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FAQ
What does commercial auto insurance cover that a personal auto policy does not?
Commercial auto insurance covers vehicles used for business purposes, including bodily injury liability, property damage, and medical payments for drivers and passengers. Personal auto policies typically exclude coverage when a vehicle is being used for business activities, leaving you exposed without a commercial policy.
Do I need commercial auto insurance if my employees use their personal vehicles for work?
Yes. If employees use their personal vehicles for business purposes, their personal auto policies may not cover incidents that occur while on the job. Hired/non-owned auto liability coverage addresses this gap and is often available as an affordable addition to a business auto or general liability policy.
What is hired and non-owned auto liability coverage?
Hired auto coverage applies to vehicles your business rents or leases. Non-owned auto coverage applies to employee-owned vehicles used for business purposes. Together they help protect your business from liability arising out of vehicles it does not own but that are used on its behalf.
What types of vehicles can be covered under a commercial auto policy?
Commercial auto policies can cover a wide range of vehicles, including cars, trucks, vans, and some types of motorized equipment. Whether your business operates a single company car or a full fleet, coverage can be tailored to your specific vehicle types and uses.
Can I use my personal vehicle for business deliveries and still be covered?
Not under a standard personal auto policy. If you use your personal vehicle for business purposes, such as deliveries or sales calls, your personal insurer may deny a claim that occurs during that use. A commercial auto policy or a business-use endorsement is necessary to maintain proper coverage.
What liability protections does commercial auto insurance provide if one of my drivers causes an accident?
Commercial auto insurance can cover bodily injury and property damage liability if one of your drivers causes an accident while operating a company vehicle. It can also cover medical payments for the driver and passengers in your vehicle, and in some cases, injuries or damage to the other party involved.
How is a commercial auto insurance policy priced for a small business?
Pricing is typically based on the number and type of vehicles, the driving records of covered drivers, the primary use of the vehicles, and the coverage limits you select. An independent agent like Jeff Munns Agency can compare rates across multiple carriers to find the best fit for your business.
Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.
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