Exploring Commercial Auto Insurance
As a business owner, your risk exposure when driving a commercial vehicle is vastly different from that of a private citizen. A standard auto policy is not designed to cover commercial activities, leaving critical gaps in your protection. Proper commercial coverage includes essential protections like added liability for your business contents and passengers, as well as crucial reimbursement for lost revenue and productivity during a repair period after a mishap. It also safeguards your business assets from lawsuits that could arise from an accident. We help you customize a policy that protects not just your vehicle, but your entire business operation and its financial stability. Don’t risk your livelihood ensure your company is fully covered.
What Risks Does It Cover?
- Cargo Damage
- Liability Lawsuits
- Lost Revenue
- Passenger Injury
- Vehicle Repairs
- Business Interruption
- Equipment Protection
- Legal Costs
- Asset Protection
Frequently asked question
Commercial auto insurance is specifically designed to cover vehicles used for business purposes, offering higher liability limits and protections for business-related risks—like cargo, equipment, and lost revenue—that are excluded from personal policies.
This coverage applies to any vehicle used primarily for business activities, including company cars, delivery vans, service trucks, tow trucks, and vehicles used to transport goods, equipment, or employees.
Cargo coverage protects the goods, tools, or products you’re transporting against damage or theft a critical safeguard for businesses that rely on transporting valuable items that wouldn’t be covered under a personal policy.
If a covered vehicle is damaged and unusable, this coverage helps reimburse your business for income lost during downtime, as well as expenses for temporary replacement vehicles to keep your operations running.
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