Commercial Auto Insurance
Your Commercial Auto Insurance premium is directly related to your recent loss history. Let us show you how to prevent claims with a variety of safety and loss control programs that will reduce your premium and increase your bottom line. Call us today for a review of your coverage!
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What is commercial auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between your business and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Why does your business need auto insurance?
For businesses that have vehicles, they can be their biggest exposure to a loss, either from damage to the vehicles themselves or from liability resulting from damage to other vehicles or individuals. Businesses can be looked at by others as having substantial assets and therefore a real target for lawsuits.
Liability auto coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.
Comprehensive and Collision coverage
Comprehensive Coverage helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.
Collision Coverage helps pay for damage to your vehicle if you hit another vehicle, if another vehicle hits you, or if your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.
Uninsured or Underinsured Motorist coverage
Personal Injury Protection
Drive Other Car coverage
The above summary is not a policy and is only intended as a brief presentation of available coverages. The actual insurance policy will provided full details of all benefits, conditions and exclusions.