While auto insurance is essential for anyone on the road, personal and commercial insurance coverage differs. A personal auto insurance policy will help protect you, your car, and anyone who may be involved in an accident. A commercial auto policy is needed for any vehicles that you use for business purposes. If you have large trucks or specialty vehicles, then you may need a special insurance policy to adequately protect you. Auto insurance requirements vary state to state, so it’s important to check with an agent for both commercial and personal auto insurance coverage. You should also ask about commercial license plates and requirements for a commercial driver’s license.
Even if a company doesn’t own vehicles, they still may be required to have a commercial auto policy if employees drive their personal cars for company business. Many small business owners add Commercial Auto to their BOP for better protection. Click here for more Restaurant or Print Industry Auto information. Our Commercial Auto Partners include: Travelers, The Hartford, Nationwide & Allstate.
Commercial Auto Optional Additional Coverage
Protects you when problems arise that are not typically handled under your commercial auto policy. This could include being locked out of your car, dead batteries and flat tires
Replaces your new vehicle under a total loss with a new or comparable vehicle. Also provides gap coverage for any amount you may owe that’s above your car’s actual cash value
Covers comprehensive and collision damage to a leased or rented vehicle, as well as any other contractual obligations to the leasing or rental company
Covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle, if your vehicle is a total loss after an accident
Pays for a rental car up to the limits of your policy so you have transportation after an accident
Pays for medical expenses if your health care insurance – or your passengers’ – doesn’t cover the costs