Coverage to protect your business cars, trucks, and other vehicles.
Business auto insurance personalized for your business.
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
An extra layer of coverage to your auto policy.
A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
Higher liability coverage than auto insurance for individuals.
For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that’s often a must if you lease or finance commercial vehicles.
Essential for employees who use their own vehicles for work.
It’s also worth considering employers non-owned car liability coverage. Employers non-owned car liability coverage is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection can help reduce the risk of messy legal complications if they are injured or their vehicle is damaged during this time.
Commercial car insurance is essential for those that run a business, but obtaining the proper coverages can get confusing. We can help!
Business Auto Insurance FAQ
What is the difference between business auto insurance and personal auto insurance?
Business auto insurance covers vehicles owned by businesses or used for work-related purposes. Personal auto insurance is designed for everyday driving and generally excludes accidents that occur while a vehicle is being used for business, so relying on a personal policy while driving for work could leave your business exposed.
Does my business need commercial auto insurance if it only owns one vehicle?
Yes. Whether your business owns one vehicle or an entire fleet, any vehicle used primarily for business purposes generally needs a commercial auto policy. The number of vehicles does not change the type of risk your business faces, and most personal auto policies will not cover accidents that occur during business use. Requirements may vary by state.
What types of vehicles can be covered under a business auto policy?
A business auto policy can typically cover a wide range of vehicles, including cars, vans, pickup trucks, box trucks, and specialty vehicles like service vans or work trucks. Coverage options vary by insurer and vehicle type, so speaking with your agent is the best way to make sure each of your business vehicles has the right protection.
Does business auto insurance cover employees driving their own cars for work?
A standard business auto policy generally does not cover employees driving their own personal vehicles for work-related tasks. To help protect your business in those situations, you may need to add hired and non-owned auto liability coverage, which can help cover claims when an employee is in an accident while using a personal or rented vehicle for business purposes.
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As an independent agency, we are here to help you find the right Business Auto Insurance coverage.
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As an independent agency, we are here to help you find the right coverage.
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