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Commercial Auto Insurance
If your business relies on vehicles for deliveries, transportation, or employee travel, having the right commercial auto insurance is essential. Whether you own a fleet of trucks or just a single company car, a Commercial Auto Insurance policy protects your business against financial loss due to accidents, theft, or damage involving business-owned vehicles.
A commercial auto policy can provide coverage for:
- Company-owned cars, trucks, and vans
- Vehicles used for deliveries or client visits
- Service vehicles, such as contractor trucks
- Hired or rented vehicles used for business purposes
- Employee use of personal vehicles for work-related tasks (with additional coverage options)
What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance typically includes:
Liability Coverage: Covers bodily injury and property damage costs if your business vehicle is involved in an accident.
Collision Coverage: Pays for repairs or replacement if your company vehicle is damaged in an accident.
Comprehensive Coverage: Covers theft, vandalism, fire, or other non-collision-related damages.
Uninsured/Underinsured Motorist Coverage: Protects against drivers who lack sufficient insurance coverage.
Medical Payments Coverage: Covers medical expenses for you and your passengers in the event of an accident.
At McShea Insurance, we work with businesses of all sizes to tailor commercial auto policies that provide the right protection for your vehicles and operations.
Who Needs Commercial Auto Insurance?
Any business that owns, leases, or uses vehicles for work-related purposes should consider commercial auto insurance. Examples include:
- Contractors and construction businesses
- Restaurants and catering services
- Delivery services and couriers
- Real estate agents and property managers
- Landscaping and cleaning services
- Any business that requires employees to drive for work-related activities
FAQs
Do I need Business Auto Insurance if my employees use their own personal cars for work errands and sales meetings?
Yes. A personal auto insurance policy does not typically cover accidents that occur while using a vehicle for business purposes. If your employees use their personal cars for work-related tasks, such as deliveries or sales visits, you may need Hired and Non-Owned Auto Insurance (HNOA) to provide coverage in case of an accident.
Are leased vehicles covered under a Commercial Auto Policy?
Yes, most commercial auto insurance policies can cover leased or rented vehicles used for business purposes. However, it’s essential to confirm with your insurer that your policy includes hired or leased vehicle coverage to avoid any gaps in protection.
How Much Does Commercial Auto Insurance Cost?
The cost of commercial auto insurance depends on factors such as:
- The type of vehicles used
- The number of vehicles in your fleet
- How the vehicles are used (e.g., delivery vs. client visits)
- Driving history of employees
- Coverage limits and deductibles
At McShea Insurance, we’ll help you find the right policy at a competitive rate to keep your business moving forward.
Can I customize my Commercial Auto Insurance policy?
Yes! Commercial auto insurance can be tailored to your business’s unique needs. Common coverage options include:
- Hired and Non-Owned Auto Insurance: Covers personal and rented vehicles used for business purposes.
- Roadside Assistance: Provides towing, jump-starts, and emergency fuel delivery.
- Rental Reimbursement: Covers the cost of a rental vehicle if your business vehicle is damaged in an accident.
- Cargo Insurance: Protects goods and materials transported in company vehicles.
Get Started Today
Protect your business’s vehicles and drivers with the right Commercial Auto Insurance.
Contact
McShea Insurance today to speak with an agent and customize a policy that meets your needs.
Steps to Get Started
Request a Free Quote: Contact our team to discuss your commercial auto insurance needs and receive a customized quote.
Review Your Options: Work with our agents to tailor a policy that fits your business operations.
Stay Protected: Enjoy peace of mind knowing your business vehicles and drivers are covered by McShea Insurance.
Secure Your Commercial Vehicles with McShea Insurance
Protect your business and your vehicles with reliable commercial auto insurance. Contact us today for a free quote.