Commercial Auto Insurance Made Easy

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Are you tired of worrying about what would happen if you or an employee got into an accident while driving your business vehicle? Well, fear no more! With our commercial auto insurance coverage, you can hit the road with confidence, knowing that you and your vehicle are protected.

Whether you’re a delivery driver, a contractor, or just someone who needs to get from point A to point B for work, we’ve got you covered. So buckle up and let’s take a joyride through the world of commercial auto insurance!

What is Commercial Auto Insurance?


Commercial auto insurance is  like regular auto insurance but for business vehicles. 

You need insurance if you have a vehicle used primarily for business purposes, such as delivering goods or transporting employees.

Why is Commercial Auto Insurance Important?


Well, if you or one of your employees gets into an accident while driving for work, your personal auto insurance won’t cover it since it was only for personal use. 

So that’s where insurance comes in to save the day (and your business’s finances).

Who Needs Commercial Auto Insurance?


If you’re still not convinced that you need commercial auto insurance, let me break it down for you. Any business that uses vehicles for work purposes needs commercial auto insurance. That includes:

  • Delivery companies
  • Construction companies
  • Landscaping companies
  • Transportation companies
  • And many more!

Even if you have one vehicle used for work, you still need commercial auto insurance. Don’t risk relying on personal auto insurance – it’s not worth it!

What Does Commercial Auto Insurance Cover?


Now that you need commercial auto insurance covers let’s discuss what it covers. Here are the main types of assurance:

Liability coverage – This covers damages and injuries you may cause to others in an accident.

Collision coverage – This covers damage to your business vehicles if you’re in an accident.

Comprehensive coverage – This covers non-accident-related damage to your commercial auto vehicles, such as theft or vandalism.

Uninsured/Underinsured Motorist coverage -This covers you if you’re in an accident with someone who doesn’t have insurance (or enough insurance).

Medical payments coverage – This covers medical expenses for you and your passengers if you’re in an accident.

How Much Does Commercial Auto Insurance Cover Cost?


Okay, now let’s talk about the not-so-fun part: cost.

Commercial auto insurance cost depends on a few factors, such as:

  • The type of commercial auto vehicle(s) you have
  • The driving record of you and your employees
  • The assurance limits you choose

But don’t worry; there are ways to save money on your commercial auto policy! For example, you can:

  • Increase your deductible (just make sure you can afford it if you need to make a claim)
  • Improve the driving habits of you and your employees

How to Choose the Right Commercial Insurance Policy


Choosing the right commercial auto insurance can seem overwhelming, but it doesn’t have to be. Here are a few things to consider:

  • How much commercial auto insurance coverage do you need?
  • What’s your budget?
  • Do you need any additional assurance beyond the basics?

Phew, we made it! Thanks for sticking with us through all that information. 

Hopefully, you now better understand what commercial auto insurance covers and why it’s crucial for your business and business vehicles.

If you have any more questions, contact a  BIGInsurance agent. And remember, stay safe on the road! Below you will find some frequently asked questions pertaining to Commercial auto insurance.

Frequently Asked Questions About Commercial Auto Insurance


What Happens If I Don’t Have Commercial Auto Insurance?


If you’re using a commercial vehicle for business and don’t have commercial auto insurance, you’re taking a significant risk. 

Your insurance won’t cover you in the event of an accident, which could result in expensive medical bills and property damage.

So it’s best to protect your business by getting insurance.

What Happens If an Employee Gets Into an Accident While Driving a Business Commercial Auto Vehicle?


If an employee gets into an accident while driving a business vehicle, your insurance will generally assure damages and injuries on your commercial auto. 

However, if the employee’s negligence caused the accident, you may still be liable for damages.

Are All Types of Commercial Vehicles Covered Under Commercial Auto Policy?


No, not all types of commercial vehicles are covered under this insurance. 

Generally, insurance covers commercial vehicles that are primarily used for business purposes, such as delivery trucks, work vans, semi trucks, tractor trailers, and construction vehicles.

In addition, personal vehicles that are occasionally used for work purposes may be covered by personal auto insurance.

Can I Get a Discount on Commercial Auto Policy If I Have a Good Driving Record?


Many insurance providers offer discounts for businesses and drivers with good driving records. 

Be sure to ask your insurance agent about available discounts.

What Should I Do If I’m Involved In an Accident While Driving a Business Commercial Auto Vehicle?


If you’re involved in an accident while driving a business vehicle, be sure to take the following steps:

  • Check for injuries and call for medical assistance if needed.
  • Exchange information with the other driver(s) involved
  • Take photos of the accident scene and any damage to the commercial vehicle.
  • Contact your insurance provider and report the accident.
  • Cooperate with any police or emergency responders on the scene.

How Often Should I Review My Commercial Auto Insurance Policy?


It’s a good idea to review your insurance policy at least once a year to ensure you have adequate coverage and are getting the best rates.

You should also check your policy whenever you make changes to your business, such as adding or removing commercial vehicles or hiring new employees.

What Is the Least Amount of Commercial Auto Insurance?


Regarding insurance, there’s no one-size-fits-all answer to how much assurance you need. However, most states require businesses to have minimum liability coverage. The amount varies by state, but it typically includes:

  • Bodily injury liability covers injuries that you or your employees may cause to others in an accident.
  • Property damage liability covers damage that you or your employees may cause to someone else’s property in an accident.

Remember that the minimum liability coverage may not be enough to protect your business in the event of an accident fully.

Consider your business’s specific insurance needs and risks when deciding how much assurance to get.

Are Tools and Materials In My Commercial Vehicle Covered Under a Commercial Auto Policy?


Whether your tools and materials are covered under a commercial auto policy depends on your insurance type. 

Most insurance policies cover “personal property” that’s kept in the commercial vehicle, such as tools and equipment. However, there may be limits to the amount of assurance provided, so be sure to check your policy carefully.

Suppose you have expensive tools or equipment that exceed the limits of your insurance policy. In that case, you may want to consider getting additional assurance, such as inland marine insurance or a commercial property insurance policy.

What Won’t My Commercial Auto Policy Cover?


While commercial auto insurance covers many risks associated with using a commercial vehicle for work purposes, there are some things it won’t cover. 

Here are a few examples:

Intentional acts- If you or one of your employees intentionally causes an accident or damages property, your insurance won’t cover it.

Employee injuries- If one of your employees is injured while driving a company commercial vehicle, your insurance won’t cover their medical expenses or lost wages. You’ll need workers’ compensation insurance for that.

Personal use- If you or one of your employees uses a company commercial vehicle for personal reasons, your insurance may not provide coverage. Be sure to check your policy carefully for any limitations or exclusions.

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