Keep Your Business on the Move with the Right Coverage
Why Commercial Auto Insurance Matters
When a company vehicle is involved in an accident, the costs can be far greater than just vehicle repairs. Medical bills, legal claims, and property damage expenses can add up quickly, putting your business at risk of financial loss. Commercial auto insurance helps cover these costs while also protecting your employees, equipment, and business assets.
In many industries, having commercial auto coverage is required by law or contract agreements. Whether you run a small business with a few delivery vans or manage an entire fleet of service vehicles, the right policy ensures that your business stays protected and compliant with legal requirements.
Frequently Asked Questions About Commercial Auto Insurance
Who needs commercial auto insurance?
Any business that owns, leases, or uses vehicles for work-related purposes, such as deliveries, transporting goods, or service calls, should have commercial auto insurance.
What does commercial auto insurance cover?
Coverage includes liability for accidents, damage to vehicles, medical expenses for drivers and passengers, and protection against uninsured motorists.
Are my employees covered when driving company vehicles?
Yes, most commercial auto policies cover employees while driving company-owned vehicles for business purposes.
Does commercial auto insurance cover personal use of a company vehicle?
Some policies allow personal use, while others may require additional coverage. It’s best to clarify usage details with your insurance agent.
What types of vehicles can be covered under a commercial auto policy?
Policies can cover a range of vehicles, including work trucks, vans, delivery vehicles, tow trucks, and specialty commercial vehicles.
How are commercial auto insurance rates determined?
Premiums are based on factors such as vehicle type, business use, number of drivers, driving history, and the amount of coverage selected.
What Commercial Auto Insurance Can Cover
Collision coverage for damage caused by crashes
Comprehensive coverage for theft, fire, and vandalism
Liability coverage for accidents involving company vehicles
Collision coverage for damage caused by crashes
Protection against uninsured and underinsured motorists
Medical payments for injured drivers and passengers
Get a Quote Today
A single accident could cost your business thousands, but the right commercial auto insurance policy can help protect your company from financial hardship. At Finn’s JM&J Insurance Agency, we’ll help you find affordable, reliable coverage for your business vehicles so you can operate with confidence. Contact us today for a free quote and ensure your company stays protected on the road.