Commercial Auto Insurance

Commercial auto insurance is a common type of financial protection for businesses that use vehicles to operate. Vehicles used for work have unique risks that personal auto policies typically don’t cover. Without the right coverage, your business could face significant financial setbacks after an accident, theft or other issues.

Who Needs Commercial Auto Insurance?

Any business that owns or uses vehicles for work purposes should consider commercial auto insurance. This includes companies with fleets of trucks, vans or cars, as well as small businesses that use a single vehicle for deliveries or service calls. If you use your personal car for business-related tasks, such as transporting equipment or clients, a personal auto policy likely won’t cover incidents that occur during these activities.

What Does This Policy Cover?

Commercial auto insurance is financial protection designed specifically for business vehicles. Common coverage options include the following:

• Liability coverage may reimburse expenses from accidents where your driver is at fault. This may cover property damage and bodily injuries to others.

• Collision coverage may help with repair or replacement costs for your business vehicle after an accident.

• Comprehensive coverage may cover noncollision events, such as theft or vandalism.

• Medical payments coverage may cover medical expenses for you or your employees after an accident.

• Uninsured/Underinsured motorist coverage may provide financial aid if another driver is at fault and lacks adequate insurance.

How Much Does Coverage Cost?

Commercial auto insurance policies vary in cost as they are typically customized to meet your requirements. However, most insurers base premiums on factors such as the following:

• Vehicle type

• Where the vehicle is parked

• Operator’s driving history

• Coverage limits

• Deductibles

Connect With Us

Prairieland Insurance Group specializes in commercial auto insurance solutions tailored to your business. Contact us today to discuss your options and get a personalized quote.