What Does a Commercial Auto Policy Cover?
Commercial auto insurance covers liability and physical damages for your commercial vehicles like trucks, cars, or vans. Depending on your insurance solution, you can be covered for:
- Physical damages to the vehicle
- Medical payments
- Accidents with uninsured motorists
- Liability risk
- Drivers who don’t own the vehicle
- Hired auto (if you rent, lease, or borrow the vehicles)
There’s a lot more risk involved since the vehicle is tied to your business. Don’t leave any coverage gaps that can hurt your business’ profitability. Instead, start by looking at all your risks with your vehicles and make sure you have appropriate protection.
Do I Need Commercial Auto Insurance?
If you’re using it for work purposes, the answer is yes. The only exception is for people driving a vehicle for delivery services like Uber, Lyft, Grubhub, or Amazon Flex, in which case ride insurance is a better fit.
Some typical businesses that should have commercial auto insurance include:
- Caterers and food vendors
- Construction workers or contractors
- HVAC technicians, plumbers, or electricians
Talk to our team to learn more about what commercial insurance is available to help you reduce your risk while your business is out on the road. If you’re ready to create a custom quote, click the link below to provide us more details about your business.