Commercial Auto Insurance For Your Business
Commercial car insurance covers vehicles used for business purposes against liabilities, property damage, and physical collision injuries. A standard personal auto policy
excludes business-related driving, meaning claims can be denied if you have an accident while working.
Core Coverage Types
- Liability Coverage: Pays for third-party bodily injuries and property damage if you or your employees cause an accident.
- Collision & Comprehensive: Covers physical damage to your company car from wrecks, theft, vandalism, or severe weather.
- Medical Payments / PIP: Pays medical expenses for the driver and passengers regardless of who is at fault.
- Uninsured/Underinsured Motorist: Protects you if a driver with insufficient insurance hits your business vehicle.
Who Needs Commercial Coverage?
You generally need a commercial policy if your business operations involve any of the following:
- Business-Owned Vehicles: The car, van, or truck is titled or registered under a business name.
- Transporting Goods/People: You use the vehicle for delivery, hauling tools, or transport services.
- Employee Drivers: Employees operate your company cars or drive their own vehicles for work tasks.
- Specialized Equipment: The vehicle has permanent alterations like work racks, toolboxes, or heavy machinery attached.
