Commercial Auto Insurance

Fleet of blue 18 wheeler semi trucks

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Protect your business with Commercial Auto Insurance.

No matter what you’re carrying, risks can always lead to losses. The proper Business Auto Insurance policy can help protect you, your vehicle, and the items you’re transporting.

Click on one of the below topics to unpack Commercial Auto Insurance:

What is Commercial Auto ←

Although fundamental plate insurance limits may be adequate for a personal driver, the exposure that business owners and commercial drivers experience can far exceed that of an average driver. A Commercial Auto policy can help cover vehicles you rent or ones you do not own.

Depending on your operations, carrying an additional Commercial Auto policy may be required as your plate registration doesn’t cover most business-related uses, and a mishap can put your business at risk.

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Commercial Vehicle Liability ←

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.


Do I need Cargo Insurance ←

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.

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Coverage for Non-Owned Auto ←

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.


What is Excess Auto Value Coverage←

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.


Health & Dental Benefits ←

Regardless of size, every business should have a Group Benefits plan to protect their employees and families financially. A Group Benefits plan can help attract and retain the best talent and ensure employees can access the financial support they need. We proudly work with various insurance carriers to provide customized Group Benefits plans to fit each business’s unique needs and budget.

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Why is Commercial Vehicle Auto Insurance important?

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.

Cargo Truck on Highway Road with Container

Fleet Insurance offers comprehensive coverage for all the vehicles in your fleet.

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.

You also have the option to insure all drivers for all vehicles or assign specific named drivers.

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.

Commercial Vans in Row

Refrigeration breakdown coverage for motor trucks, trailers, or semi-trailers.

No more worrying about recording temperatures – just make sure you give the reefer unit the fuel, lubrication, and proper usage it needs, and you don’t need to worry anymore. This type of insurance covers any damage that results from a mechanical failure in the cooling or heating unit of a motor truck, trailer, or semi-trailer.

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Refrigerated Semitrailer Cargo

Carrying an additional Commercial Auto policy can help where your plate registration doesn’t cover business-related uses.

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