Commercial Auto Insurance
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Commercial Auto Insurance Information
If your small business owns or leases vehicles for business endeavors, it’s important to consider commercial auto insurance. A commercial auto policy can help protect you financially if your vehicle is involved in a crash, stolen or vandalized. Your Business Owners Policy (BOP) won’t provide coverage, so in order to stay protected, you’re going to want a commercial auto policy. At The Insurance Store USA we’re ready to help you find a policy that best suits your needs.
Common Commercial Auto Insurance Questions:
What Is Commercial Auto Insurance?
Commercial auto insurance helps cover damages to a company owned vehicle as well as bodily injuries if an employee causes an accident. There are several types of coverage that a commercial auto policy can provide:
Medical payments: Helps cover costs such as medical bills related to accidents.
Collision coverage: Helps pay for damages to your vehicle resulting from a collision with another vehicle.
Comprehensive coverage: Helps pay for damages outside of those pertaining to collision such as theft or vandalism.
Uninsured motorist coverage: Helps protect you from uninsured driver that injure you or the passengers in your vehicle.
Underinsured motorist coverage: Helps protect your company from at fault drivers that may not carry enough insurance to cover the costs of your company’s damage.
Be sure to speak with your agent about which policies may be required for you to have versus which policies you may want for additional protection.
Who Needs Commercial Auto Insurance?
It is important to ask your insurance agent about what coverage you need if you are a small business owner with a personal vehicle used primarily for work. The use of the vehicle could warrant getting commercial auto insurance coverage. Things agents look at:
Commercial auto insurance will not cover personal vehicles. This policy only covers business-owned vehicles versus personal vehicles. In order to cover a personal vehicle that an employee uses for work, the employer would have to obtain hired or non-owned coverage in addition to commercial auto insurance.
Learn More About Commercial Auto Insurance
At The Insurance Store USA we’re prepared to help you with coverage for your company owned vehicles. Reach out to your agent to get started with a commercial auto policy today.