Protect your business autos with commercial auto coverage.
Whether you have just one vehicle that you use for business purposes, or a large fleet of cars, trucks and vans, commercial auto insurance is vital to protecting business vehicles of any kind.
If you are a business owner, your personal auto insurance will not cover vehicles that are owned by your business or used by you or your employees for business purposes. Depending on how your business vehicles are used and who drives them, you will need certain kinds of auto insurance to protect the vehicles and the drivers.
What types of coverage does business auto insurance provide?
You need comprehensive auto collision coverage to help pay for any damage to your vehicles. In addition, your business needs auto liability protection in the event of an accident that causes injuries or property damage.
At a minimum, your commercial auto coverage should provide:
- Physical damage coverage (comprehensive and collision),
- Liability coverage (bodily injury and property damage),
- Medical payments coverage, and
- Uninsured and underinsured motorist coverage.
You can also purchase additional commercial auto coverage, including towing and labor and rental reimbursement.
What vehicles need commercial auto coverage?
Any vehicle that your business owns, leases or hires for business purposes can be insured by a commercial auto insurance policy, and coverage for each vehicle can vary depending upon the type of vehicle and how it is used. In addition, if employees use their personal vehicles for business purposes, you need coverage for them too. This is called non-owned and hired automobile coverage.
We can help you determine which vehicles you need coverage for, and what types of coverage are best for each vehicle in your fleet.
Contact Strate Insurance Group for all of your business insurance needs.
Protect your business from the consequences of on-the-job car accidents. Strate Insurance Group can help businesses of all sizes find the right business auto insurance for any type of vehicle and any budget. Contact our business insurance agents today online or at 423.318.5800 to learn more about your commercial auto insurance options.