Business Auto Insurance
It's critical to have the right business auto insurance if you're driving a vehicle for work. Whether you're driving a four-door sedan to and from business meetings or towing a few tons of cargo in a large delivery truck, the right coverage safeguards your company.
Business auto insurance, also known as commercial auto insurance, can cover a wide range of vehicles that are used for business purposes. Here are some of the types of vehicles typically covered:
- Company Cars: These are vehicles that are owned by the business and used for business purposes. They can be any type of car, from small compact cars to larger sedans or SUVs.
- Vans: This includes cargo vans and passenger vans used for business purposes, such as transporting goods or people.
- Pickup Trucks: Pickup trucks used for business operations, including construction, landscaping, or any kind of delivery service, can be covered.
- Box Trucks: These are often used for transporting goods and are typically covered by business auto insurance.
- Food Trucks: Businesses that operate food trucks can have their vehicles covered under a commercial auto policy.
- Service Utility Trucks: These vehicles, typically used by plumbers, electricians, and other contractors, can be insured under a business auto policy.
- Refrigerated Trucks: Businesses that transport perishable goods may use refrigerated trucks, which can be covered by business auto insurance.
- Tow Trucks: Tow trucks used for a towing business are typically insured under a commercial auto policy.
- Dump Trucks: Used in construction, dump trucks can be insured under a business auto policy.
- Semi-Trucks and Commercial Trailers: Larger vehicles used for hauling goods long distances can be covered.
- Non-Owned Vehicles: These are vehicles that are not owned by the business but are used for business purposes. This can include employees using their personal vehicles for business tasks.
What can a business auto policy cover?
- Comprehensive and Collision
- Medical Payments
- Emergency Roadside Assistance
- Loss of earnings
- Uninsured Motor Vehicle