Get a Personalized Commercial Auto Insurance Quote for Your Business Today

Commercial auto insurance is essential for protecting you and your employees while on the road using company-owned vehicles for business purposes. This crucial coverage can mitigate expenses arising from anything from minor accidents to more serious incidents, including property damage and medical bills.

Secure your business on the road today by obtaining a commercial auto insurance quote from our trusted carrier partners with Affordable Coverage Insurance.

What Does Commercial Auto Insurance Cover?

While coverage availability and requirements may vary by state, here are some common types of commercial auto insurance coverage options available to business owners:

Bodily Injury Liability Coverage:

Helps cover the other driver’s medical expenses if you or one of your employees causes an accident.

Property Damage Liability Coverage:

Pays for damages caused by you or your employees to someone else’s property.

Drive Other Car Coverage:

Extends coverage to your business’ executive officers and their spouses when driving vehicles not listed on your commercial auto insurance policy.

Collision Coverage:

Assists in repairing or replacing your business’ vehicle if it collides with another object.

Comprehensive Coverage:

Helps cover damages caused by theft, fire, or natural disasters.

Medical Payments Coverage:

Covers medical bills for employees and their passengers in the event of an accident.

Uninsured/Underinsured Motorist Coverage:

Provides coverage if the other driver lacks adequate liability coverage or is uninsured.

Rental Car Coverage:

Offers liability coverage when driving a rental vehicle for business purposes.

Personal Injury Protection:

Covers medical expenses, lost wages, or funeral costs regardless of fault.

Hired and Non-Owned Auto Insurance:

Provides lawsuit liability coverage if an accident occurs with a personal, rented, or leased vehicle used for business errands.

What Is Not Covered?

A commercial auto insurance policy typically does not cover:

– Unrelated medical expenses incurred while driving a company vehicle.
– Damage to contents inside the vehicle.
– Accidents in a personal vehicle used for personal reasons.
– Repairs to a rental vehicle while waiting for a company vehicle to be fixed.

What Types of Vehicles Are Covered?

Commercial auto insurance typically covers various vehicles, including cars, vans, commercial trucks, pickup trucks, box trucks, and service utility trucks.

Do I Need Commercial Auto Insurance?

Most states mandate commercial auto insurance for businesses utilizing company vehicles. Consider commercial auto insurance if your business owns, leases, or rents vehicles, has employees driving for business purposes, or operates company vehicles.