What is Commercial Auto insurance?
Commercial auto insurance is required to protect your company from unanticipated costs if you or your employees are involved in an accident.
Whether you have a single work truck or a small fleet of delivery vehicles, your commercial car insurance policy can cover you for the following expenses up to the policy limit:
- Expenses for claims involving emergency care
- Medical expenses
- Damage to property
- Your vehicle has been damaged.
- Legal expenses
- Coverage for unpaid balances on financed and leased vehicles
When you buy a new policy from StrongInsurance, you can choose to add hired and non-owned auto insurance. This coverage provides additional protection if you or an employee use rented vehicles for work purposes, or if an employee occasionally uses a personal vehicle for work purposes.
Find out more about HNOA insurance.
Personal auto insurance vs. commercial auto insurance
Maybe you already have personal auto insurance. That's great. However, it is unlikely to cover accidents that occur while you are driving for your company.
If you use your vehicle for business purposes, you may require a business auto insurance policy if you:
- Deliver any product, including pizza, flowers, or other items.
- Provide a service that necessitates the use of a vehicle on a regular basis.
- Carry any work-related equipment, such as cleaning or landscaping tools.
- Visit job sites
Why is Commercial Auto insurance important?
Whether your vehicle is critical to your daily operations or something you only use for work on occasion, you need a business auto insurance policy that is tailored to your needs.
Commercial auto insurance may be required by law.
Most states require commercial auto coverage for your company's vehicles in the event of certain types of accidents. Liability insurance for bodily harm and property damage is the most common state requirement.
Uninsured/underinsured motorist coverage and medical payments coverage are also required in some states (also known as personal injury protection).
The types of vehicles used by your company, how they are used, and who uses them will determine the specifics of the insurance you require.
More coverage may be available with commercial auto insurance.
If you're like most business owners, the line between work and home is likely to be blurred.
Even if you only have one car for all of your transportation needs, driving for business exposes you to different risks than driving for pleasure. You may require the more comprehensive coverage provided by a commercial auto policy.
If you have employees who drive your cars, your commercial auto insurance policy can cover them up to the policy limits.
Customers can be attracted with the help of commercial auto insurance.
Commercial auto insurance is also required for your customers. Having the proper car insurance shows that your company is prepared for the unexpected. You understand that things don't always go as planned, but your customers can be confident that they'll receive the same dependable service.
Some customers may require you to provide a certificate of insurance before they will work with you.
What is covered by Commercial Auto?
Commercial auto insurance helps to cover the costs of injuries and property damage caused by work-related car accidents. Most states require commercial auto insurance for company-owned vehicles in order to cover medical expenses and property damage.
Commercial vehicles can help pay for:
- Medical costs
- Damage to property
- Underinsured motorists
- Repairing a collision
- Rental reimbursement
- Towing
How much does Commercial Auto insurance cost?
Auto insurance premiums can range from $750 to $3,000 per year, depending on your insurance history, the number of vehicles you own, the type of vehicle, and how much you drive.
Getting a free commercial auto insurance quote online is the best way to find out how much a policy will cost your company. With us, you'll only need to answer a few questions to get your quote in under 10 minutes.
Your claims and insurance history, the number of cars your company insures, the vehicle type, and how you intend to use the vehicle are all common factors that influence the price of a policy.
We offer reasonable prices and monthly payment plans that can be cancelled at any time with no additional charges. Our online claims filing service is available whenever and wherever you need it, and it is backed up by licensed insurance advisors.
How do I get Commercial Auto insurance?
You can buy commercial auto insurance online from StrongInsurance and receive your certificate of insurance in less than 10 minutes.
Start an instant quote to see what options are available for your company. This is how the procedure works:
We'll ask you some basic questions about your company and operations, such as:
- Your line of work
- Where you conduct business
- How long have you owned the company
- How many cars do you need to insure
- The number of drivers who must be covered
- You driver’s license
- Annual revenue projections
- History of recent insurance and claims
Following the submission of your information, you will have immediate access to a customized online quote for commercial auto insurance and other recommended coverage.
If you like what you see, you can change the package limits and buy it. After payment, your insurance will begin immediately, and you will have access to your certificate of insurance.
More frequently asked questions
Learn more about commercial auto insurance by reading through our frequently asked questions about our coverage. If you don't find what you're looking for, our licensed insurance advisors are here to help.