Delivering peace of mind

As a business owner, you need commercial auto protection whether you use your vehicle for business throughout the day or have a team of delivery drivers. The same types of insurance you secure for your personal vehicle are needed for vehicles driven for commercial purposes. The most common coverages are liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. If the vehicle you drive is owned by the business, make sure the name of the business appears on the policy as the "principal insured.” This will avoid possible confusion should you need to file a claim or a claim is filed against you.

The type of coverage you need depends on the kind of driving and transportation requirements of the business. Our risk advisors take time to learn how vehicles are used in your business, the relationship of the various drivers to your business and inquire if employees drive their personal vehicles for business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask our commercial auto specialists to explain all the differences and options.

Cost of coverage

Our experienced advisors understand the state and federal requirements affecting commercial auto insurance. In addition to state-defined coverage limits, the cost of coverage is affected by several other factors.

• Industry
• Vehicle type
• Driver’s history
• Location
• Travel radius
• Coverage requirements

Commercial fleet

Fleet insurance covers multiple vehicles on a single policy, even if used for different purposes. State and federal regulations vary regarding fleet vehicle coverage requirements. It’s important to work with an experienced risk advisor to ensure the proper coverages are in place. Policies can vary by business type and industry.

Vehicle types covered by fleet insurance

• Automobiles
• SUVs
• Trucks
• Vans
• Trailers
• Buses
• Limousine / taxis

Non-emergency medical

If your business provides non-emergency medical transportation (NEMT) for patients requiring medical care, you need specialized auto insurance coverage to address the unique risks of your industry. We work with quality carriers who understand your business and provide helpful resources and safety programs to manage your risks. Whether you need NEMT auto liability, comprehensive or collision, we can secure the coverage you need.