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?
Yes, if you’re using your vehicle for work purposes, you do need commercial auto insurance. 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
Free Online Commercial Auto Quote
Click the link below so we can learn about your business needs and create a free, custom quote. Simply select the type of insurance, answer a few questions about your business, and you’ll get an instant quote online for free.
You may also explore our commercial insurance services to get a better idea of your insurance needs.