Whether you use your own car or a fleet of pickups or box trucks to get the job done, we offer the protection — liability, personal injury/medical, comprehensive, and collision coverage and more — to keep your business moving forward. Plus, if your employees use their own vehicles to perform deliveries, make sales visits, or run errands for your business, you could be liable for any accidents they cause.
We have the commercial auto insurance to help meet your needs. Your agent can help you determine what deductible amounts and coverage limits best fit your situation and provide commercial auto insurance quotes.
Bodily Injury Liability Coverage: Pays damages due to bodily injury to others for which you are responsible. If you are sued, it also pays your defense and court costs.
Property Damage Liability Coverage: Pays damages due to property damage to others for which you are responsible. If you are sued, it also pays your defense and court costs.
Personal Injury/Medical Payments Coverage: Usually pays medical and funeral expenses for bodily injury to a covered person sustained in an accident in your auto.
Collision Coverage: Pays for a covered auto that is damaged by collision with another object or by upset.
Comprehensive Coverage: Pays for a covered auto that is stolen or damaged by causes other than collision or upset.
Uninsured/Underinsured Motorist Coverage: Pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or whose available limits are less than the limits you chose to carry for this coverage. You’d be surprised how many people only carry minimum limits. Would you like to have the same coverage for yourself that you are providing the other person?
What amount of a covered loss are you willing to pay? The deductible is the portion of a covered loss that is your responsibility. For example, if you had a $500 deductible, you would need to pay $500 of the covered loss.
How high should your liability coverage limits be? No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher the limits on your commercial auto insurance, the more likely your policy will be able to pay all of the damages.