Commercial Auto Insurance
Why Choose Us?
Your vehicles are vital to your business from getting to meetings, picking up supplies, or delivering goods to job sites. We will help you through the process of choosing the right commercial auto insurance and coverage to fit your business. We know that every business is different, and we strive to provide the balance between cost and coverage to suit you.
What Commercial Auto Insurance Covers
Pays for injury, death and damages you may be responsible for as the result of a car accident. It also pays for defense costs associated with the accident.
Pays to repair damage to your own vehicle if you are at fault, for hit and run accidents, as well as single car accidents.
Pays to repair the damage to your vehicle from fire, theft, lightning, windstorm, hail, earthquake, explosion, riots, falling objects, vandalism and more.
This pays for a rental vehicle if you are at fault in an accident OR if your car is stolen. You should definitely have this if you have collision coverage on your vehicle.
Additional Items to Consider
You may have modified your vehicles to suit your business, such as adding a mobile crane, dump box, mobile generator, custom shelving, flat bed etc. You must tell your insurance company about these changes in order to be properly insured. Typically the liability for the operation of the attached equipment is covered under your business policy, not your auto policy.
Anything that is not permanently attached to the vehicle is not covered under your auto policy – you will need to obtain a business insurance policy.
The one major difference between personal auto policies and commercial auto policies is typically the weight of the vehicles. If you drive a vehicle over 10,000 lbs the requirements for the vehicle are much different than driving a typical private passenger vehicle such as a van or a pickup truck. It is best to hire experienced drivers with clean driving records in order to to obtain the best rate.
Unlike private passenger policies you must list all of your trailers in order to be covered. The reason is that most businesses tend to leave trailers at job sites, or in parking lots where they could cause damage or injuries to others. This is not an issue while they are attached to the towing vehicle, but is when they are no longer attached. The cost for trailer liability is very minimal and should be added for every trailer.
Business use is for meeting clients, suppliers and the general running of your business such as going to the bank, accountant or other meetings. Commercial use is for vehicles directly used for your business such as a work truck used to move lumber or haul a trailer.
These are just a few points to think about. Please let one of our experienced brokers help you make the right choices so you are properly protected.