Whether you rely on a single car or a large fleet of vehicles,
commercial auto insurance is something most businesses need.

From passenger vehicles to heavy trucks traveling short to long distances, we have the resources to get you a commercial auto insurance policy that fits your needs. We offer liability, personal injury/medical, comprehensive collision coverage, and more to protect your business and employees behind the wheel of your company-owned auto.

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Commercial Auto Policy Coverage
Typically Includes

Liability – The liability portion of your commercial auto insurance policy will cover damages the business is obligated to pay because a crash caused by a company vehicle resulted in bodily injury to others and/or damage to others’ property. Legal costs related to a serious accident could be financially devastating without liability coverage.
Medical Payments – This covers medical costs for the employee driving the company vehicle and any passengers, regardless of fault.
Collision – The collision coverage in your business auto policy will take care of damage to the company vehicle that was caused by a crash with another vehicle or object, or that was caused when the vehicle overturned.
Comprehensive – This coverage is for a loss caused by something other than a collision, such as fire, lightning, theft, vandalism, explosion, fallen object, and other causes.
Uninsured/Underinsured Motorist – This will protect your business if one of your company vehicles is in a crash with a vehicle driven by an individual who doesn’t have auto insurance or is underinsured.
Towing/Labor – If the vehicle cannot be driven from the accident scene, this coverage will pay the costs of towing to a repair shop and the labor related to the repairs.
business auto policy coverage
Business Auto Policy Coverage oliver and associates

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Rental Cars & Employees’ Personal Vehicles

Rental Cars & Employees’
Personal Vehicles

If employees drive their personal vehicles or rental vehicles for business purposes, a Hired Auto and Non-Owned Auto Liability Endorsement to your company’s Commercial General Liability policy is a good idea.

How Much Does Commercial Auto Insurance Cost?

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance will depend on a variety of factors;

Type, size, and number of covered vehicles.
How vehicles are used and stored can impact the cost of insurance.

The history of your vehicles and your driver’s records.

Your drivers’ commercial driving experience.

The number of miles your vehicles will be driven.

Deductibles, limits, and endorsements chosen.
How to Keep Premiums Down

How to Keep Commercial Auto Insurance Premiums Down

It’s important for any business with a vehicle fleet, or even a single company car, to have a driver safety program in place to prevent accidents, which will keep premiums down. It’s also critical to keep vehicles properly maintained and secured.



Business Owner's Policy

Workers' Compensation

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