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What is Commercial Auto Insurance?

Commercial Auto Insurance is similar to your personal auto insurance. It can help pay for repairs to your business vehicle if the physical damage occurs by theft, collisions, or weather events. Lawsuit costs, such as medical and legal expenses associated with accidents may also be covered. Depending on how you or your employees use their business vehicle for work, your business could be liable for any accidents caused. New Redwood Insurance Services will customize a policy that works best for your business type while staying within your budget. 
Get your FREE QUOTE started: (707) 981 -4707

What does Commercial Auto Insurance cover?

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
       

When Do I Need Commercial Auto Insurance?

Commercial auto insurance will be required if any vehicle is used for business purposes or even if you are advertising your business on the vehicle. If your employees will be utilizing the vehicle for any business use, whether it is making deliveries, running business errands, or driving customers to the office, a commercial auto policy will be needed. 
In some occupations and circumstances, your personal auto policy may cover your vehicle, but don’t leave any grey areas. Our agents can customize your policy to fit your business vehicle needs and walk you through your coverages. 

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
    • Delivering any food, goods, or newspapers
    • ​Trucking and freight transportation
    • Transporting people as a service
    • Advertising your business on your vehicle

Commercial Auto Insurance

Commercial Auto Insurance

As a Business owner, it is important to protect your company from any liability issues that may arise. Commercial Auto Insurance can help pay for accidents in your business vehicle. From theft and collisions, to lawsuits and medical expenses. Covering your employees while they are driving the business vehicles will help keep your business and employees safe from risks on the road.
Whether you own an ice cream truck or a trucking company, New Redwood Insurance Services  can find coverage for new endeavors and high risk businesses.

When you hire us, we work for you, not for the insurance companies.

Commercial Auto Insurance FAQ

What is Commercial Auto Insurance?

Commercial Auto Insurance is similar to your personal auto insurance. It can help pay for repairs to your business vehicle if the physical damage occurs by theft, collisions, or weather events. Lawsuit costs, such as medical and legal expenses associated with accidents may also be covered. Depending on how you or your employees use their business vehicle for work, your business could be liable for any accidents caused. New Redwood Insurance Services will customize a policy that works best for your business type while staying within your budget. 
Get your free quote started:  (707) 981 -4707

Am I covered if I drive someone else's vehicle?

Usually, the insurance coverage goes with the car. For example, in case you get into a car accident when driving someone else’s vehicle, the owner’s insurance coverage would apply toward damages first. Your auto insurance would normally apply in cases where the owner of the vehicle had no auto insurance policy or did not have sufficient insurance coverage to pay the damages. For specific details and advice on your current insurance policy, for this circumstance, please contact us here at New Redwood Insurance.

I have a suspended license, can I still get auto insurance?

If your driver’s license is suspended or revoked, your insurance company may not renew, or even cancel your policy, but there are options for you. You can reinstate your license by contacting your DMV and following the steps for reinstatement. You may be required to file an SR-22 or be able to apply for a hardship license. Depending on what insurance company you have, they may or may not offer SR-22 filing services. With an SR-22 or Hardship License, you can get your car insurance back. 

You don’t have to be stranded, New Redwood Insurance Services will walk you through the steps to get your car insurance back on track! 

What does Commercial Auto Insurance cover?

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

 

  • What are some reasons why my auto claim may be denied?
  •  

Your auto insurance company may deny your claim for any of the following reasons:

  • If you file a fraudulent claim, whether it be a false claim, or claiming exaggerated damages
  • If you file a claim while using your insured vehicle for purposes not included in your policy. For example, using your vehicle for delivery during the time of the accident. 
  • Making expensive upgrades to your vehicle without notifying your insurance company
  • Missing payments on your premium may result in your insurance being suspended. 
  • Giving false information on your initial application. For example, household members over the age of 14 not listed on the application.
  • Not updating the insurance company of any changes to your policy. For example, not requesting an address change on your policy if you move to a different house

Your insurance company may deny your claim and even cancel your policy for these reasons. New Redwood Insurance Services makes it easy to request changes and update your policy without staying on hold your hours. 

Got in an accident? We will be happy to give you advice and help you to be fully prepared for the claims process.