Commercial Auto insurance

What is Commercial Auto Insurance

Commercial auto insurance is an insurance policy that covers vehicles used for business purposes, such as vans, trucks, and cars. Commercial auto insurance protects driver injuries and vehicle damage.

Commercial auto insurance

What is Covered by Commercial Auto Insurance?

For things like:

• Vehicle damage
• Driver injury
• Injuries to another person
• Property of another person damaged

Because businesses require more protection in the event of an accident, commercial auto policies have higher coverage limits that personal policies.

Commercial auto insurance

What Types of Vehicles are covered?

Typically the following vehicles are covered by most major Commercial auto insurance providers.

• Cars
• Vans
• Pickup trucks
• Box trucks
• Service utility trucks
• Food trucks

Commercial Auto Insurance

Who Needs Commercial Auto Insurance?

A commercial auto policy is required if you and your employees use your vehicle for business. Many commercial auto insurers will cover vehicles that are used by:

• Plumbers, electricians, and HVAC professionals are all available.
• Carpenters, painters, or other contractors
• Landscapers and plow service
• Food vendors and caterers
• Other types of business, such as sales and real estate

You will need rideshare insurance if you are driving for Uber, Lyft or another delivery service such as Amazon Flex or Grubhub.

You are at risk without commercial auto insurance.

• You may not have any coverage for an accident while driving your vehicle on business.
• Repairs, injuries, and other expenses that are not covered by insurance can be costly.
• Your personal auto insurance could be cancelled