Commercial Auto Insurance Businesses
If your business relies on cars, vans, pickups, buses, taxis, limousines, or other vehicles, the right commercial auto policy can help protect your company from costly accidents and vehicle-related claims. We help business owners evaluate their vehicle risks and choose coverage that fits how their vehicles are used.
How Much Commercial Auto Coverage Does Your Business Need?
The amount and type of coverage you need depends on your vehicles, drivers, business activities, mileage, and the risks associated with your daily operations. Understanding these factors can help you avoid gaps in protection.
Types of Vehicles Covered by Commercial Auto Insurance
Commercial Auto Insurance can apply to many types of business vehicles, including company cars, cargo vans, limos, taxis, buses, SUVs, and pickup trucks. Coverage can also extend to other vehicles used for business purposes. Insurers may consider how frequently vehicles are driven, the distances they travel, who operates them, and what they transport when determining coverage and pricing.
If your business uses large trucks or heavy equipment, you may need a separate commercial truck insurance policy designed for those vehicles.
What Does Commercial Auto Insurance Cover?
Depending on your policy and applicable requirements, coverage may include:
Bodily Injury Liability: Helps address covered injuries caused to another person when you or an employee is responsible for an accident.
Property Damage Liability: Helps pay for covered damage your business vehicle causes to someone else’s property.
Collision: Helps cover damage to an insured vehicle resulting from a covered collision, subject to the policy terms and deductible.
Comprehensive: Provides protection for covered vehicle damage resulting from events other than collisions, such as theft, vandalism, or certain weather-related losses.
Uninsured and Underinsured Motorist: Can provide protection when your vehicle or driver is involved in an accident with a motorist who has insufficient or no insurance, subject to the policy terms.
Medical Payments: May help pay eligible medical or funeral expenses for covered drivers and passengers following an accident.
What Information Is Needed for a Commercial Auto Quote?
Our team takes the time to understand how your business uses its vehicles before recommending coverage. You may be asked about the number of commercial vehicles, how each vehicle is used, items or materials being transported, average annual mileage, number of drivers, driver experience and age, and driver safety training and history.
Get Commercial Auto Insurance
Whether you are purchasing commercial auto coverage for the first time or reviewing an existing policy, Pascal Burke Insurance Brokerage can help you assess your options. Call our office or complete the quote form to get started.
Let’s Find the Right Coverage
Click below to visit our quote page, share a few details about your business, and let our team help you find suitable coverage.
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