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COMMERCIAL
AUTO INSURANCE
Commercial auto liability coverage provides protection for any
business-owned or leased commercial vehicle. Policies usually
include liability coverage, physical damage coverage as well as
coverage for cargo and general liability.
Just like you need auto insurance for your own car, you need
business auto insurance to cover your business-owned or leased
vehicles. If you, or any of your employees have an accident in your
business's car, you may be liable for bodily injuries, lost wages or
any damage caused.
Typical coverage includes;
Bodily Injury Liability
- Coverage for damages that involve bodily injury to others for
which you become responsible under law.
Non-Trucking Liability
is also available.
Property Damage Liability
- Coverage for damage to property of others for which you become
responsible under law.
Medical Payments
- Coverage for reasonable and necessary medical expenses and funeral
services for those who are accidentally injured while in your
automobile or while getting into or out of your automobile.
Personal Injury Protection
- Coverage for medical, hospital, rehabilitation, loss of wages or
loss of services costs resulting from injury to you or any resident
family member. In case of death to the insured or a resident family
member, death benefits and survivor benefits, if applicable, will be
provided.
Other coverage that may be obtained include:
Comprehensive
- Protection for the loss of or damage to your vehicle and its
equipment from all causes except collision, subject to the
deductible on the policy.
Collision
- Protection for the collision damage to your automobile and its
equipment, subject to the deductible on the policy.
Uninsured Motorist
- Coverage allows you to recover bodily injury damages due to an
accident where the other party does not have insurance, and is found
legally liable.
Underinsured Motorist
- Coverage allows you to recover bodily injury damages due to an
accident where the other party is found legally liable and does not
have adequate liability limits.
Additional Expense
- Coverage for necessary additional expenses incurred as a result of
a loss for which you are protected under comprehensive or collision
coverage. These expenses include rental cars, food, lodging and
other incidental expenses.
Hired Auto Liability Coverage
- Covers liability for automobiles hired under contract on behalf of
or loaned to the named insured.
Hired Auto Physical Damage -
Coverage for an automobile of any type, hired, borrowed or leased on
a short term basis for use in the insured's business.
Employer's Non-Ownership
Liability
- Coverage for a
private-passenger automobile used in the business of the named
insured by any person, or the occasional and infrequent use of a
commercial automobile in the business by any of your employees.
Motor Truck Cargo -
Coverage for the load you are
hauling. Coverage is also available for Reefer Breakdown when
hauling loads which need climate control.
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