Whether you have a fleet or one commercial vehicle, consider business auto insurance.
Add an extra layer of coverage to your auto policy.
A vehicle collision is never good news, but when it’s one of the cars or trucks owned by your business, the consequences are more complicated. Business auto insurance takes all the elements of normal auto coverage and adds on extra protection. This may include coverage for the following:
- Bodily Injuries
- Collisions
- Named Perils
- Property Damage
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Liability Coverage
Protects you from legal exposures and risks resulting from a covered accident.
Bodily Injury Liability Coverage
Can ease the financial burden of bodily harm or death resulting from an at-fault accident. It also typically includes coverage for legal costs.
Property Damage Liability Coverage
Protects you if your vehicle unintentionally causes damage to someone else's property.
Medical Payments Coverage
Helps pay for medical expenses for you and your vehicle's passengers following a covered accident, regardless of who is at fault.
Uninsured Motorist Coverage
Protects you from injuries and covered property damage caused by an uninsured or a hit-and-run driver. It sometimes includes underinsured motorist coverage for scenarios when the at-fault driver's insurance is inadequate.
Comprehensive Physical Damage Coverage
Compensates for the damage to your vehicle from theft, vandalism, flood, fire, and other covered non-collision risks.
Collision Coverage
Pays for damage to your vehicle in case of a collision with another object.
Higher liability coverage than auto insurance for individuals.
For example, when obtaining business auto insurance you may usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, you can get collision insurance. This type of coverage pays out for damage to your vehicles no matter who caused the collision—a protection that’s often a must if you lease or finance commercial vehicles.
Do your employees need coverage on their personal vehicles?
If your employees are using their own personal vehicles for business-related reasons and they get into an accident, your business might be held liable. With non-owned auto liability coverage, your business may be protected.
Essential for employees who use their own vehicles for work.
It’s also worth considering non-owned auto liability coverage, which is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection may help reduce the risk of messy legal complications if they are injured or their vehicle is damaged while on the job.
Business auto insurance is essential for those that run a business. Contact us to learn more and to go over your specific needs and coverage options.
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