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Commercial Auto Insurance For Your Business

Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, should be properly covered by a commercial auto insurance policy.

What is commercial vehicle insurance?

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Seems obvious, doesn't it? But, seriously, knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business—for your business. This type of business insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.

Why do you need commercial vehicle insurance?

That's a good question. Certain business usage and vehicle types may be excluded from personal policies. Why? Since personal auto policies were not meant for businesses, they are written and rated differently. More important to you—a business owner or manager—businesses often need the particular coverages found in a commercial auto insurance policy.

Determining whether your situation requires commercial auto coverage can still be confusing. Here's a little more information and examples of when you need commercial insurance.

What does commercial vehicle insurance cover?

Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

What are the coverages?

  • Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.

  • Property damage liability coverage – provides you with protection if your vehicle accidently damages another person's property and in most cases provides you with a legal defense.

  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

  • Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – pays for damage to your vehicle when it hits or is hit by another object.

What is General Liability Insurance Coverage?

 

General Liability Insurance coverage helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business’s assets at risk. For example, General liability insurance helps protect you and your business in the event of the following:

 

  • A customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.

  • While on the job, you accidentally damage a customer’s property and the repairs are costly. Should a claim like one of these be made against your business, then your commercial general liability insurance policy may help pay for the damages.
     

What does Commercial General Liability Insurance cover!

  • Bodily injury or property damage – Helps protect against certain claims alleging financial loss due to property damage or bodily injury arising out of your business operations or products.

  • Reputational harm – Helps protect your business against certain claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, violation of the right of privacy and more.

  • Advertising errors – Helps protect your business against certain claims if others allege you infringed on their copyrights when advertising goods, products, or services in your advertisement.

  • Medical payments – Helps protect against certain claims for medical costs if someone is injured on the business premises and needs medical treatment.

  • Damage to premises rented to you – Helps protect your business against certain claims for damage to premises rented to you due to fire, lightning or explosion.