We are happy to evaluate your insurance program to determine if you are adequately covered or if you have gaps in your coverage.
Commercial auto insurance is made up of several parts. An explanation of the most common coverage parts are listed below:
Bodily Injury to Others : This coverage pays for damages if you are legally responsible for an accident which insures someone other than passengers in your auto. It may also provide legal defense and court costs if you as business owner or your company is sued.
Collision: This coverage pays for direct and accidental damage to your commercial vehicle caused by a collision regardless of fault.
Comprehensive: This coverage pays for direct and accidental damage to or loss of your commercial vehicle in non-collision situations including vandalism, theft, fire, hitting an animal and others. This coverage is not a substitute for Collision.
Property Damage: This coverage pays for damages to someone else whose auto or other property is damaged in a covered accident your company is responsible for.
Medical Payments: This coverage pays for reasonable expenses such as necessary medical to you (as business owner), your employees or passengers incurred as the result of an auto accident.
Bodily Injury Caused by an Uninsured Auto: This coverage pays damages for bodily injury resulting from certain accidents caused by uninsured autos or in a hit-and-run situation.
Bodily Injury Caused by an Underinsured Auto: This coverage provides your employees and you with protection for bodily injury damages as the result of certain accidents caused by someone who does not have enough insurance.
Non-Owned Auto Liability: This coverage provides your business and you (as business owner) with liability protection for injuries or damages if your employee is involved in an accident and found responsible for while using their own vehicle to perform company business.
Hired Auto Liability : This coverage provides your business, your employees and you (as business owner) with liability protection when you temporarily rent, lease, hire or borrow vehicles for business use.
Hired Auto Physical Damage: This coverage provides your business, your employees and you (as business owner) with physical damage protection when you temporarily rent, lease, hire or borrow vehicles for business use.
Drive Other Car: This coverage provides protection for physical damage and liability for specific employees named on your commercial auto policy if they are driving a vehicle other than a company owned vehicle. This is important for owners or other key employees, who do not have their own personal auto policy and would, therefore, not have insurance protection if they borrowed another person’s car or rented a vehicle on their own.