Commercial Auto Insurance

Commercial Auto Insurance

Everyone of your commercial automobile exposures can be met  from the single vehicle titled in the company’s name you may own to a large commercial fleet you may own. We have experience in handling any type of exposure you may have  from a single contractor, to a retailers, to Hired and non ownership exposure you may have,  to an  auto repair shops you may own, to a machine shops and fabrication business, to a sales operations or to an  Oil and Gas operating fleet. Each expose you may have is unique and we will tailor make an insured product which fits your needs. 

Here are some key terms,

Commercial or Business auto insurance provides coverage for your business auto exposures which may include auto service risks. This coverage contains several areas of coverage but among them are Automobile Liability Insurance and Auto physical damage insurance. 

Commercial Automobile Liability Insurance is third party liability to protect your business from bodily injury and or property damage incurred to  others resulting from the ownership, maintenance and use of your commercial vehicle. This also protects you for medical  or legal defense costs you could incur in the event of an accident. Such coverage can also apply to vehicles you owned, your non owned exposure or to a vehicle you may hire and borrow. 

Automobile  physical damage protects those vehicles you own from direct physical damage. Essentially there are two coverage’s to address. The first isl include direct damage to a vehicle you own or what is called  Other than Collision Coverage .  The second coverage is Collision Coverage. Collision coverage protects you owned vehicle from loss due to a  accidental  collision with another vehicle. Such coverage, both direct damage or Other than Collision and Collision can also apply to vehicles you hire or borrow. 

What type of Automobiles can we handle insurance for you?

Such vehicles might include company private passenger vehicles you own, owned trucks and vans that which are used for business. This would also include your business exposure in which a car or truck is used to run errands, or carry products, or carry tools or transport clients. All of these exposures you have  may very well need a commercial auto policy to protect your business. Any vehicle you title in a business name will need a business insurance policy.