Commercial Auto Insurance
Protecting the Vehicles That Drive Your Business
Whether you’re delivering goods, transporting clients, or hauling equipment, your business vehicles are essential to your daily operations. Commercial Auto Insurance safeguards your business from the financial impact of accidents, theft, and other unforeseen incidents involving company-owned or leased vehicles.
What Does It Cover?
- – Liability Coverage ( Required by law )
Covers bodily injury and property damage caused to others if your driver is at fault. - – Collision Coverage ( Optional )
Pays for repairs to your business vehicle after a collision, regardless of fault. - – Comprehensive Coverage ( Optional )
Protects against non-collision events like theft, vandalism, fire, or natural disasters. - – Uninsured/Underinsured Motorist Coverage ( Optional )
Covers you if you’re hit by a driver with no or too little insurance. - – Medical Payments (MedPay) mostly optional in most states
Helps cover medical costs for your drivers and passengers after an accident. - – Hired & Non-Owned Auto Coverage ( Optional )
Protects vehicles you don’t own but use for business (like employee vehicles or rentals).
Optional Add-Ons & Endorsements:
| Add-On | Description |
| Rental Reimbursement | Pays for a rental vehicle while yours is being repaired |
| Roadside Assistance | Towing, flat tire service, battery jump-starts, and lockouts |
| Gap Coverage | Covers the difference between the vehicle’s value and what you owe on a loan |
| Trailer Interchange Coverage | Protects trailers under a trailer interchange agreement |
| Cargo Coverage | Covers goods being transported (add-on to meet contract requirements) |
Who Needs Commercial Auto Insurance?
- – Delivery Drivers
- – Contractors & Builders
- – Real Estate Agents
- – Trucking Companies
- – Landscapers & Plumbers
- – Electricians & HVAC Technicians
- – Rideshare and Courier Services
- – Any business who owns and used any vehicles for their business
Why It’s Required
If your business owns or operates vehicles, Commercial Auto Insurance is legally required in most states. Even if you use personal vehicles for business, your personal auto policy likely won’t cover business-related incidents.
Protect Your Business on the Road
Call us at (954) 824-2191 or Get a Commercial Auto Quote Today
