Commercial Auto Insurance

What is Commercial Auto Insurance?

Commercial Auto Insurance provides coverage for vehicles owned or used by your business. This insurance helps protect your company from financial losses due to accidents, theft, or damage involving company vehicles.

What Does Commercial Auto Insurance Cover?

Commercial Auto Insurance typically includes the following coverages:

  • Liability Coverage: Covers bodily injury and property damage that your business is legally responsible for in case of an accident.
  • Physical Damage Coverage: Protects against damage to your business vehicles from collisions, theft, vandalism, and other hazards.
  • Medical Payments: Provides coverage for medical expenses for drivers and passengers injured in an accident involving a business vehicle.
  • Uninsured/Underinsured Motorist Coverage: Covers damages and injuries caused by a driver with insufficient or no insurance.

Who Needs Commercial Auto Insurance?

Any business that owns, leases, or uses vehicles for business purposes should have Commercial Auto Insurance. This includes businesses that rely on vehicles for deliveries, transportation of goods, or service calls.

Frequently Asked Questions

It depends on the policy. Some Commercial Auto Insurance policies cover personal use of business vehicles, while others may require a separate personal auto policy.

Commercial Auto Insurance can cover a wide range of vehicles, including cars, trucks, vans, and specialized vehicles used for business purposes.

Yes, employees can be covered under Commercial Auto Insurance, but you may need to list them as drivers on your policy for full coverage.

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