Commercial Auto Insurance

Commercial Auto insurance provides coverage for bodily injury and property damage caused by owned, hired and non-owned vehicles used for the business. In addition to general auto coverages, many endorsements are available to meet the various needs of individual businesses. Drive Other Car, waiver of deductible for glass claims, and waiver of subrogation are just a few of the endorsements available through our line of insurance carriers.

Common coverages to consider:

Hired and Non-Owned Auto Coverage - Coverage is provided for damages the insured is legally obligated to pay due to bodily injury or property damage arising out of the use, loading or unloading of a hired or non-owned automobile in connection with the insured’s business. This could be a rented vehicle or one owned by an employee.

Waiver of Subrogation - Waiver of Subrogation is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party. Many vendors in the commercial industry require you to carry this coverage.

Looking for a way to monitor the driving habits of your employees who drive your company vehicles? State Auto’s Fleet 360 program may be the answer. This program allows you to review driver routes, monitor fuels costs or even track a stolen vehicle.

Whether you are a contractor who drives to jobsites everyday or own a Dry Cleaning business and only make occasional deliveries, we have several insurance providers available to offer the commercial auto coverage you need to protect your business from a major loss.

Here are some of the important questions to ask when insuring your business vehicles:
Is my permanently mounted equipment covered?
What happens if my employee has an accident in their own car while driving to the post office for me?
Do I have enough coverage to protect my business if someone is seriously injured, or even killed?
Am I covered if I need to rent a truck temporarily?

Are you asking all the right questions? Give us a call and let us help you navigate the process. Make sure you have the proper coverage at the best available cost.