Protect your business with Commercial Auto Insurance.
Depending on your operations, carrying an additional Commercial Auto policy may be required as your plate registration doesn’t cover most business-related uses. This can also help cover vehicles used for your business that you rent or do not own.
Click on one of the below topics to unpack Commercial Auto Insurance:
The liability limit carried under the plate insurance is $200,000. However, depending on your individual needs or contractual obligations, a policy can increase your limit anywhere from $1,000,000 to $10,000,000. It is to satisfy a contractual obligation.
However, liability risks are difficult to put a dollar value on in general due to the unpredictable nature of claim settlement. This is particularly true for injuries to others as they can very quickly add up to be a significant cost, depending on possible court decisions.
Motor truck cargo additional coverage is a type of insurance that protects the insured if they are subject to contractual penalties due to late or non-delivery of the cargo, erroneous delivery of cargo that does not follow specific instructions, or failure to receive written confirmation for the delivery of the shipment.
This coverage helps cover any financial losses or expenses due to errors or delays.
Get Quote ←
Sometimes, the trailer or shipping container itself is the cargo being transported. If you are in the business of moving trailers or shipping containers that you do not own, this type of insurance coverage will protect you in the event of any physical loss or damage that may be incurred while the trailer or shipping container is in transit.
This type of coverage can provide protection against losses due to theft, vandalism, collision, fire, and other perils that may occur during the course of the shipment.
The excess value applies to heavy vehicles and commercially plated trailers.
As the owner, you do have the option to put the total value under the plate registration. However, if the value exceeds $15,000, the pricing under the plate is generally more expensive than the coverage the extension policy can offer.
Transportation Services ←
When unexpected challenges arise, having specialized insurance for passenger transport services can be the key to keeping your business on the right path. We provide comprehensive coverage options specifically tailored for limousine, taxi, motor coach, and bus services such as:
We work with a variety of leading insurance carriers to design customized plans that fit your budget and specific needs, including:
- Health: Medical, dental, vision, and prescription drug coverage.
- Life: Accidental death and dismemberment coverage.
- Disability Insurance: Short-term or long-term disability coverage.
- Retirement Plans: And other retirement savings options.
- Wellness Programs: Employee assistance programs (EAPs), wellness initiatives, and more.
Contact us today for a free consultation ←
What is Commercial Vehicle Insurance?
Commercial auto insurance is a necessity for vehicles used for non-personal purposes. This type of insurance is especially important if you:
- Own a contracting business
- Frequently meet with clients outside of your office or town
- Engage in the delivery of merchandise to customers
- Work as a courier or a transport truck driver
One of the key reasons why commercial vehicle auto insurance is essential is because personal auto insurance policies typically do not cover vehicles used for commercial purposes.
Fleet Insurance: Get coverage for all your vehicles.
Any business with multiple vehicles should consider the benefits of fleet insurance. This type of insurance allows you to cover all your vehicles under a single policy instead of insuring them individually.
Fleet insurance can be highly advantageous for any organization that relies on a fleet of vehicles for its day-to-day operations. This includes general contractors, transportation and trucking companies, general businesses, care service providers, automotive repair garages, dealerships, and towing companies.
Get Courier Insurance to protect your delivery business.
Courier insurance is specifically designed to address the unique risks associated with the delivery industry. If your business involves any of the following, it may be necessary to have commercial auto insurance:
- Operating commercial trucks or company-owned vehicles
- Engaging in long-haul trucking and freight services
- Providing transportation and delivery services for goods
Get Quote ←
Do you have a question about Business Insurance?
