Skip to content
Commercial Auto
If you use a vehicle for business purposes, you’ll need commercial auto insurance. This type of coverage covers vehicle damage and driver injuries for commercial vehicles. To find out if you need commercial auto insurance, keep reading.
FREE Consultation
By clicking the button and submitting this form, I agree that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. By clicking the button and submitting this form, I provide my signature giving express consent to receive marketing communications via automated telephone dialing systems, artificial or pre-recorded voices, emails, live phone calls, pre-recorded calls, postal mail, text messages via SMS or MMS and other forms of communication regarding offers Life Insurance, Final Expense, Medicare, Health Insurance, Home/Auto Insurance or other products from Insured for Life or from our marketing partners and agents to the number(s) and/or email I provided, including a mobile phone, even if I am on a state or federal Do Not Call and/or Do Not Email registry. The list of companies participating are subject to change. Message frequency varies and represents our good faith effort to reach you regarding your insurance inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
What Is Commercial Auto Insurance
This is a type of policy that offers physical damage and liability coverage for vehicle usage that isn’t covered by a personal auto insurance policy. This form of coverage can be used to insure many types of commercial vehicles, including pick-up trucks, vans, sedans, and SUVs. Commercial auto insurance does not cover semi-trucks and larger vehicles.
Why Should You Get Commercial Auto Insurance?
You should get commercial auto insurance if you have a vehicle that isn’t covered by your personal auto insurance. Personal auto policies aren’t written to be applicable to business vehicles, so you require different coverage. Also, as a business owner, commercial auto insurance will provide you with the complete coverage you need.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance has the potential to offer a variety of coverage types. Some coverage options include:
- Bodily injury liability – This pays for bodily injury or death resulting from an accident in which you are at fault. It will also pay for your legal defense.
- Property damage liability – This protects you if your vehicle accidentally damages another person’s property. It will also pay for your legal defense.
- Combined single limit – This combined type of coverage ensures that you have the same dollar amount of coverage per covered occurrence whether it involves bodily injury or property damage.
- Medical payments – This pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident.
- Uninsured motorist coverage – If you are struck by an uninsured driver or a hit-and-run driver, you will be covered by this type of coverage. Underinsured driver insurance may be included as well. It covers you if you are hit by someone with insufficient coverage to pay for the damages they’ve caused.
- Comprehensive coverage – Comprehensive coverage pays for damage to your vehicle from theft, vandalism, fires, and other covered perils.
- Collision coverage – This pays for any damage that is caused to your vehicle by it hitting another object.
Find Commercial Auto Insurance
If you are currently using your personal vehicle for business purposes, you won’t be covered while engaging in business activities. Get the commercial coverage you need today by calling Insured For Life. We’ll help you compare quotes on coverage in your area.
