Commercial
Auto
Insurance
If you own a business that operates vehicles, you need commercial auto insurance to protect them. A commercial auto insurance policy helps provide financial protection for your business, its employees, and others in the event of an accident. We will provide a quote with the best coverage options, rates, and discounts tailored to your business needs.
Liability (Bodily Injury and Property Damage)
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Covers damages caused by your business vehicles
If your business is at fault in an accident, liability coverage helps cover damages caused by your commercial vehicle. This includes damage to other vehicles, property (such as buildings, street signs, or mailboxes), or injuries to other drivers and passengers. Liability also covers legal costs if someone sues your business due to the accident.
Collision & Comprehensive Coverage
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Covers damage to your business vehicles
Collision and Comprehensive are two separate coverages. Collision helps cover damage from accidents caused by your business drivers. Comprehensive protection against incidents beyond your control, such as theft, vandalism, hitting an animal, fire, natural disasters, or glass damage. Both coverages are essential to keep your fleet running smoothly and minimize unexpected expenses.
Collision & Comprehensive Coverage
Commercial Auto Insurance Coverages
Uninsured & Underinsured Motorist (UMN)
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Covers injuries to your employees or passengers
This coverage helps pay for medical costs if your employees or passengers are injured in an accident caused by an uninsured or underinsured driver. It offers additional protection even if your employees have health insurance, as there’s no deductible before we pay out.
Personal Injury Protection & Medical Payments
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Covers medical costs for your employees
Personal Injury Protection (PIP) and Medical Payments coverage help pay for medical expenses resulting from an accident involving your business vehicles, regardless of fault. This includes medical bills, hospital visits, and rehabilitation costs, ensuring your employees and passengers receive the care they need.
Rental Car Reimbursement
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Covers rental vehicle costs while your business vehicle is being repaired
Rental Car Reimbursement covers the cost of renting a vehicle while your commercial vehicle is being repaired due to a covered loss. This ensures that your business continues to operate without disruption, even while your vehicle is in the shop.