What is a Commercial Auto Insurance Policy?
If your business uses vehicles, consider Commercial Auto insurance for proper protection.
Not only will it cover your vehicles, but it will also protect your business from any lawsuits resulting from accidents caused by any of your employees. A Commercial Auto policy offers liability, collision, and comprehensive coverage, similar to Personal Auto, protecting against accidents, vandalism, theft, and weather damage.
Many question whether Commercial Auto insurance is necessary if a Personal Auto policy has already been purchased. A Personal Auto policy most likely excludes claims from business vehicle use.
Other common misperceptions
Here are the common misperceptions:
- “I already have general liability insurance for my business, so I don’t need to purchase a Commercial Auto policy”. In most cases, a general liability insurance policy will explicitly exclude coverage for any accidents that occur when driving for business. General liability doesn’t cover business vehicle risks, so both general liability and commercial auto insurance are often needed for full protection.
- “If I buy a Commercial Auto policy, then everything that I’m transporting in my vehicles is covered”. A Commercial Auto policy covers business vehicles and driver liability, but usually does not protect the contents inside your vehicles. You would need to purchase a Commercial Property insurance policy in order to cover business property in transit.
- “A Commercial Auto policy will cover any medical expenses for my drivers if they get into an accident”. Commercial Auto liability coverage pays for damages your driver causes in an accident, but does not provide direct coverage for your drivers. A Worker’s Compensation policy would be required to cover any injuries sustained by your drivers when operating a business vehicle.
The best way to determine what type of Commercial Auto insurance you should purchase is to ask a licensed agent in our office. We help assess your insurance needs and provide multiple quotes from top insurance companies to find the best for you.
Get A Quote For Your Commercial Auto Insurance Today
Our licensed staff is ready to help you get multiple Commercial Auto Insurance quotes.
We serve clients across New York and Connecticut, including Hartford, New Haven, Stamford, Bridgeport, Danbury, Waterbury, and surrounding areas.
As an independent agent, we compare insurers to find you the best coverage at the right price. Call us at 203-565-6419 or 203-800-9739, email us at bna@insuranceiswhatwedo.com. Check us out on Facebook or Instagram!
B&A BENEFIT SOLUTIONS REPRESENTS THE TOP-RATED INSURANCE COMPANIES IN CONNECTICUT. WE WILL COMPARE PRICING AND COVERAGE OPTIONS FINDING YOU THE BEST POLICY FOR YOUR NEEDS. CALL US AT: 203-565-6419 OR CLICK THE GET A QUOTE BUTTON TO HAVE AN AGENT START YOUR QUOTE.