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WHAT IS COMMERCIAL AUTO INSURANCE?
In the event of an auto accident or loss, Commercial auto insurance covers vehicles used by your business from:
Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
Property damage liability coverage – provides you with protection if your vehicle accidently damages another person's property and in most cases provides you with a legal defense.
Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils. Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles. Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.
Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
What vehicles are covered by commercial auto insurance?
These types of vehicles may be covered if they're used for business purposes:
Business autos
Includes cars, light trucks / Pickup trucks , SUVs, vans and more. Business auto insurance customers enjoy advantages including discounts and access to network shops throughout the country.
Trucks
From dump trucks to tractor trailers, Service utility trucks, Box trucks, Food trucks
Trailers
We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.
Who needs commercial auto insurance?
If you or your employees use your vehicle as part of your business, you should have a commercial auto policy. We often cover vehicles used by:
- Electricians, plumbers, and HVAC professionals
- Carpenters, painters, and other contractors
- Landscapers and plow services
- Caterers and food vendors
- Other business types, like real estate and sales
Without commercial auto insurance, you risk:
- Limited or no coverage for accidents while using your vehicle for business
- Paying out of pocket for repairs, injuries, and more
- Losing your personal auto coverage
Does commercial auto insurance cover personal use?
Yes. While personal auto insurance doesn’t cover a vehicle if it’s being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.
How much will my insurance go up if I’m involved in an accident with my commercial vehicle?
An accident doesn’t affect the rate of your current policy, but it could affect your rate when your policy is renewed. Your policy is rewritten every time it expires to reflect your current situation. Accident-related rate changes are determined by various factors such as who was at fault, the cost of the claim and your accident history.
I was involved in a not-at-fault accident in my commercial vehicle. Do I still have to pay my deductible?
Maybe. Deductibles apply whenever your policy’s collision or comprehensive coverages are used, regardless of who is at-fault. If the at-fault party was insured, carrier will attempt to recover your deductible from at-fault’s party insurance company.
Does commercial auto insurance cover theft of personal items?
Not necessarily. A commercial auto policy covers the vehicle and any permanently attached items, such as a ladder rack or a truck bed toolbox, but it doesn’t cover the ladders and tools themselves. For the contents of your vehicle to be covered, you’d need a business liability policy with an inland
What body shop can I use to repair my commercial vehicle?
No matter what type of commercial vehicle you have, the shop you choose for repairs is your decision. You can choose your own shop or one of ours. For heavy vehicles, like semi-trucks, we maintain a countrywide network of over 100 specialized shops. This varied by insurance carrier, but since commercial trucks might require some specialized shop network of shops tend to be open.
Do I need special insurance to deliver pizza or other goods for a fee?
Yes, most likely. Most personal auto insurance policies won’t cover losses that occur while delivering for a fee. This includes pizza delivery and most other delivery services. If you don’t have a commercial policy on your vehicle and you get into a work-related accident, your claim might be denied and you could be held personally responsible for the damages. A commercial auto policy can prevent this from happening