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Commercial Auto Insurance

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

Whether you have a fleet of vehicles subject to State Department of Transportation regulation, a single vehicle or no owned vehicles, we will design policies that provide the proper protection for your business.

Because your business has different needs than others, we tailor coverage to various exposures that threaten companies your size.

We work with you to address the following potential concerns:

  • Proper vehicle title and registration.
  • Use of employee vehicles or borrowed vehicles.
  • Driver controls and permissive users.
  • Hiring vehicles.
  • Mobile equipment acting as autos.
  • Company assigned vehicles.
  • Vehicle valuation.
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