Commercial Auto

What is Commercial Auto ?

Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, as your vehicle will not covered under a personal auto policy.

An independent agent in the Trusted Choice network in your area can help you get the business vehicle insurance you need to protect your company assets. Commercial Auto Insurance covers a variety of situations. Options and terms vary from one insurance company to another, so be sure you fully understand what is included in the policy. If you work with an independent agent in the Trusted Choice network, you can work with your agent to create a completely customized policy that matches your business needs, complete with all available discounts.

Several types of coverage may be included in your commercial auto policy; others are options that you can purchase separately. You will also need to choose the coverage amounts (“limits”) and deductibles. Typical coverage available includes:

Property damage liability
Liability for bodily injury to others
Optional bodily injury coverage for injuries that occur outside of the state in which you reside
Personal injury to you, your employed drivers or passengers including medical expenses and lost wages
Collision coverage for costs associated with an accident, regardless of who is at fault
Comprehensive coverage for damage other than collision

Medical payments coverage for the cost of hospitalization, treatment and funeral expenses
Uninsured and underinsured motorist coverage
Non-owned auto coverage for when you or your employees drive a rented or borrowed vehicle
Loading and unloading liability
Substitution transportation when your commercial vehicle is being repaired and you use a loaner from the repair shop
Towing and labor costs