What Does Commercial Auto Insurance Cover?

Would your business benefit from commercial auto coverage?

Commercial Auto InsuranceAs a business owner, you want to protect your foundation and employees as well as you can. This includes maintaining the right insurance policies for your goods, staff, and financial future.

If driving is a part of your business, whether it’s transporting goods, deliveries, or is your business, you’ll need commercial auto insurance. Your personal and your employees’ personal auto insurance will not cover accidents and issues in a business-focused situation.

For this reason, commercial auto insurance is available. This coverage protects many facets of your business through the following policies:

  • Bodily Injury Liability for other drivers’ and passengers’ injuries or death that you are responsible for.
  • Property Damage Liability for damages to someone else’s property for which you are responsible.
  • Comprehensive Coverage if your vehicle is damaged in an event other than an accident (theft, vandalism, a tree branch falling on your vehicle, to name a few!).
  • Collision Coverage for your vehicle when your car hits, or is hit, by another vehicle.
  • Uninsured/Underinsured Motorist Coverage covers all of yours and your employees’ injuries, damages, and death caused by an at-fault driver with no, or too little, insurance coverage.
  • Medical Payments Coverage to cover the costs of medical expenses incurred by you and your passengers in your vehicle after an accident.

Beyond these fundamental components, you can customize your business car insurance policy with the following coverages:

  • Roadside Assistance
  • New Vehicle Replacement Cost Coverage
  • Expanded Towing
  • Rental Reimbursements

Are you ready to get started on tailoring your commercial auto insurance to your business? Contact the professionals at Mayer Insurance, serving businesses around Apple Valley and beyond in Minnesota!