Commercial Auto Insurance

A Commercial Auto Insurance policy may vary based on the insurance company and the coverage amounts (limits) you choose. Some types of coverages are already included in the commercial auto policy while other options may be purchased and added as an “endorsement.”

Typical coverages that may be included:

• • Liability for property damage and bodily injury to others
  • Out of State bodily injury occurrence
  • Medical expenses and lost wage coverage for personal injury to you, your employed drivers, or passengers 
  • ​Comprehensive and Collision coverage
  • ​Medical payment coverage
  • ​Uninsured and underinsured motorist
  • ​Non-owned auto coverage while renting or borrowing a vehicle for you or your employees
  • ​Liability for loading and unloading 
  • ​Temporary transportation while your commercial vehicle is repaired
  • Towing and labor costs
     

A Commercial Auto policy could be needed if you or employees use the vehicle to for the following functions:

• • Haul business equipment in the vehicle
  • ​Carry flammable or any hazardous material
  • Transporting business used housekeeping supplies/ equipment
  • Using or hauling cranes, plow, or winch
  • ​Towing other vehicles
  • Delivering any food, goods, or newspapers
  • ​Trucking and freight transportation
  • Transporting people as a service