Business Auto Insurance

Commercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned car for business.

Consider commercial auto insurance if your business:

• Owns, leases or rents vehicles, such as cars and trucks

• Has employees who drive their own vehicles for business

• Has employees who operate leased, rented, or owned company vehicles

Although coverage availability and requirements vary by state, these are some of the common types of commercial auto coverages available to business owners.

• Bodily Injury Liability Coverage helps pay for the other driver’s medical expenses.

• Property Damage Liability Coverage pays for damage that you or your employees cause to someone else’s property.

• Collision Coverage helps pay to fix or replace your business car if you hit something, like another car or pole.

• Comprehensive Coverage can help pay for car damages caused by theft, fire or natural disasters.

• Medical payments coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.

• Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage.

• Rental Car Coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or a collision damage waiver that you can sign to avoid paying for property damage to a rental car.

• Personal Injury Protection (PIP), also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.

• Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented, or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage will not pay for damages to your car.

Get a commercial car insurance quote today to learn how you can protect your business while on the road.