Business Owner Auto Insurance

Take the worry out of your business auto insurance

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CSIA has been protecting your Commercial Autos over 45 years

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Our goal is to provide you with the best coverage at the most competitive price

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Information that helps you plan, prepare and protect.

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:

    Business Address

    What happens if...

    Simple. Smart. Insurance protecting what matters

    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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