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Commercial Auto Coverage – Keeping your Business on the road to success

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses – even in the event of a fatal accident.

Who Needs Commercial Auto Insurance Coverage ?

If you're driving a vehicle for business reasons, having the right commercial vehicle insurance is important. So whether you’re using a sedan to travel to and from a business meeting or you’re towing cargo in a large delivery truck, the right coverage can help protect your business. A good rule of thumb is to consider if the vehicle is being operated in relation to the job. If it is, you’ll likely need business auto insurance coverage. Remember that using a vehicle to commute to and from work doesn't constitute a need for commercial vehicle insurance.

Breakdown of Coverages in Commercial Auto Insurance Policy:

  • Bodily injury liability coverage (BI) – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
  • Property damage liability coverage (PD) – provides you with protection if your vehicle accidently damages another person's property and in most cases provides you with a legal defense.
  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
  • Medical payments – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
  • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. Underinsured motorist coverage is designed to provide the injured party with compensation above the limit of the at-fault party’s policy.
  • Comprehensive physical damage coverage (PD) – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
  • Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.
  • Non-Owned Autos –Under a commercial auto policy, vehicles your company uses but doesn't own, hire, borrow or lease are called non-owned autos. Non-owned autos include vehicles owned by your employees but used in your business.

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Liability coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Yes, If you don't have a commercial policy on your vehicle and you get into a work-related accident, your claim might be denied and you could be held personally responsible for the damages. A commercial auto policy can prevent this from happening.

Collision Coverage pays to repair damage, or even replace your vehicle if it is a total loss.

Coverage For Rented Or Borrowed Vehicles protects against these potential repair costs.

Comprehensive coverage pays to repair storm hail damage to your business vehicle. You'll have peace of mind in knowing you're covered for hail damage repairs up to the value of your vehicle, subject to your deductibles

Not necessarily. A commercial auto policy covers the vehicle and any permanently attached items, such as a ladder rack or a truck bed toolbox, but it doesn't cover the ladders and tools themselves. For the contents of your vehicle to be covered, you'd need a business liability policy with an inland marine endorsement.

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