Commercial Auto Insurance
Quotes, Cost & Coverage

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Get commercial auto insurance quotes, cost & coverage fast. Business auto helps pay for damaged vehicles, property, bodily injury and medical expenses if you or an employee is found at fault for an accident.

Business Auto Insurance

Commercial Auto Insurance ⋆ Quotes, Cost & Coverage

It's pretty obvious that a company that has a fleet of vehicles and uses them to transport goods or perform services should have commercial auto insurance. However, if you own a small company or are a sole proprietor and don't have commercial drivers, it can be hard to determine if this type of insurance is right for you. Your personal auto insurance may not cover you or any of your employees in the event of an accident, so it's essential to find out immediately if commercial auto insurance is necessary.

Business auto insurance is a policy that covers any vehicles that are used for your business, as well as the people who drive those vehicles. It provides financial protection for you and any employees that drive for reasons related to your business if an accident or some other type of incident occurs.

While business vehicle insurance has some similarities to personal auto policies, there are notable differences in eligibility, coverages, exclusions, definitions & limits. Commercial car insurance is needed for certain type of vehicles (think heavy vehicles like tractors, dump trucks etc.). This can include cars used for business purposes as well as box trucks, food trucks, service utility trucks, etc.

Does My Business Need Commercial Auto Insurance?

The best way to determine whether or not you need commercial car insurance is to speak to an insurance agent or someone else who has ample knowledge of the topic. However, if the business you operate uses vehicles on a regular basis, it's a pretty safe bet that you are going to need it, no matter what size your business is.

Some professions that require commercial auto insurance include the following:

If your profession isn't listed above, don't assume that you don't need business auto insurance. As mentioned, if your business uses vehicles, there's a pretty good chance that you are going to need it. Also you might be contractually required to have it of a customer requires it as part of a deal.

What Does Commercial Auto Insurance Cover?

You might already have some familiarity with some of the different types of business car insurance since many polices share names with personal vehicle insurance policies. Some of the most commonly used coverages in policies include:

Whatever policy you choose, you should consider extending it so that it will cover any employees who may drive in order to complete tasks that are related to your business. For example, if you own a restaurant that delivers food, it's a wise idea to have your delivery drivers covered.

What Commercial Auto Insurance Doesn't Cover

Know as exclusions, which elimiate risks for the insurer, commercial auto insurance typically does not cover:

How Much Commercial Auto Insurance Coverage Do I Need?

It can be tricky to figure out how much vehicle insurance you will need for your business. An agent that specializes in this type of insurance will be able to help you determine an appropriate amount for your specific needs. It's important to be aware that at the bare minimum, you have to make sure that you have enough coverage to comply with any insurance requirements that are set forth by your state.

The following factors can be used to help you figure out how much coverage your business will need:

How Much Does Commercial Auto Insurance Cost?

How much does commercial auto insurance cost? The average price of business vehicle insurance varied widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy based on the business:

And the following factors have an effect on the price based on the acutal drivers:

Get A Commercial Auto Insurance Quote

Not all commercial vehicle insurance polices are the same. If your business uses cars, trucks, vans or more, let one of our expert agents take a look at your situation. In most cases we can save you money and offer you better policy options than you currently may have.

If you are looking for state specific Commercial Auto Insurance insurance quotes, costs and information: California Commercial Auto Insurance, Delaware Commercial Auto Insurance, Kentucky Commercial Auto Insurance, New Jersey Commercial Auto Insurance, New York Commercial Auto Insurance, Pennsylvania Commercial Auto Insurance, Texas Commercial Auto Insurance.

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Contact EK Insurance to find out how much commercial insurance costs.