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Commercial Auto Insurance

What is Commercial Auto Insurance?

Commercial auto insurance is a specialized type of insurance coverage designed for vehicles used for business purposes. It is distinct from personal auto insurance and is intended to protect businesses from financial losses and liabilities related to accidents or other events involving their vehicles. This insurance provides coverage for a wide range of vehicles, including cars, trucks, vans, and specialty vehicles used during business operations.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance typically includes several key types of coverage:

Liability Coverage: This covers injuries and property damage to others caused by you or your employees while using a business vehicle.

Property Damage Coverage: It protects against an accident caused be you or your employees that damages someone else's property. This coverage will repair or replace the other person's property.

Collision Coverage: Optional coverage that pays for your vehicle damage resulting from collisions, regardless of fault.

Comprehensive Coverage: Optional coverage for non-collision events like fire, theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage: Protects you from drivers who are uninsured or underinsured. This coverage allows you to sue those drivers at fault for any damages caused by an accident.

Medical Payments Coverage: Covers medical expenses for you and passengers in your vehicle.

Who Needs Commercial Auto Insurance?

Any business that uses vehicles for business purposes should consider commercial auto insurance. This includes small businesses, large corporations and everything in between. Common examples of businesses that need this insurance include delivery companies, contractors, service providers and any business that owns or operates a fleet vehicles.

Commonly Asked Questions

Are all employees covered under a commercial auto insurance policy?

Typically, commercial auto insurance covers employees who are explicitly named in the policy or who are designated as "permissive users." Permissive users are employees who have the business's permission to.....Read More

Can I get coverage for specialized vehicles, such as construction equipment?

Commercial auto insurance can be tailored to cover a wide range of specialized vehicles, including bulldozers, excavators, cranes, and other construction equipment. This coverage may include protection for.....Read More

What is hired and non-owned auto coverage?

Hired and non-owned auto coverage is a type of insurance that provides protection for businesses in situations where they or their employees use vehicles not owned by the company for business purposes. This coverage serves as a supplement to a commercial auto insurance policy.....Read More

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Weston, FL 33326

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