COMMERCIAL AUTO INSURANCE
Contact
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Landline: (227) 250 - 0009
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Licensed in MD, PA, NJ, VA, DE
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For Business Entities and Individuals
Commercial Auto Insurance
Protecting your business means safeguarding the vehicles you rely on every day. Commercial Auto Insurance provides essential coverage for vehicles used for business purposes, ensuring financial protection against accidents, damages, and liability.
Our team works with leading insurance providers to tailor coverage to your unique business needs, ensuring affordability and comprehensive protection at competitive rates.
What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance is designed to protect your business from risks associated with the operation of vehicles for work purposes. Coverage typically includes:
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Liability Coverage: Covers bodily injury (BI) and property damage (PD) liability resulting from at-fault accidents involving your business vehicles.
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Physical Damage Coverage:
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Collision Coverage: Pays for damages to your vehicle resulting from collisions, regardless of fault.
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Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, natural disasters, and animal strikes.
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Uninsured/Underinsured Motorist Coverage: Covers injury or damage caused by drivers with insufficient or no insurance.
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Medical Payments Coverage: Covers medical expenses for drivers and passengers injured in an accident, regardless of fault.
Who Needs Commercial Auto Insurance?
This type of insurance is critical for businesses that own, lease, or use vehicles for operations, such as:
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Delivery services
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Construction contractors
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Transportation and logistics companies
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Businesses using personal vehicles for work purposes (not covered under personal auto policies)
Why Is Commercial Auto Insurance Important?
Personal auto insurance policies typically exclude coverage for vehicles used in business operations. Commercial Auto Insurance ensures compliance with state and federal regulations while protecting your business from potentially devastating financial losses due to accidents, lawsuits, or vehicle damage.
Additional Coverage Options
Depending on your business needs, you can enhance your policy with specialized coverages such as:
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Hired and Non-Owned Auto Insurance: Covers vehicles your business rents or employees use for work purposes.
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Trailer Coverage: Protects trailers used with insured vehicles.
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Cargo Coverage: Covers goods transported by your business vehicles.
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Roadside Assistance: Provides towing and roadside repair services for business vehicles.
Deductible is also included with the Commercial Auto insurance. You should always make sure your deductible is NOT so high that you’d struggle to cover the repair costs before your insurance kicks in.