If your business requires the use of any type of vehicle, you need commercial auto insurance. It’s that simple.
Much in the same way a personal auto policy covers the risks associated with driving your personal vehicle, a commercial auto policy gives you the peace of mind of knowing an accident won’t spell the end of your business.
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Whether you use a van for deliveries, a box truck for moving equipment, a work truck to get to the job site, or a company car to do sales, carrying commercial auto insurance is mission-critical.
Beyond being required by law, you should take very seriously the legal liability of using a commercial vehicle in your business. The last thing you want is to lose your business because of a coverage gap.
A commercial auto policy is designed to cover the cost of damage to, or the loss of, a commercial vehicle — in addition to covering the cost of damage to the property of others that your driver causes. Commercial auto policy can also cover the cost of an injury to the driver of a commercial vehicle and the cost of an injury to a third party.
Commercial auto insurance can be written to cover vehicles including, but not limited to:
Commercial auto insurance also protects a business both in at-fault and not-at-fault accident situations.
A standard commercial auto policy includes protections against the cost of:
Because they are larger, have a higher value, and can cause greater damage than personal autos, commercial vehicles tend to require higher minimum coverage amounts than for personal auto insurance policies. These higher coverage limits typically mean a higher cost when compared to a personal auto policy.
But that’s not always the case. The cost of commercial auto insurance depends on a wide range of variables and the unique circumstances of your business. If you’re ready, you can get a free personalized commercial vehicle insurance quote now. Or talk with a Tomins business insurance specialist.
At Tomins, we are in the business of making commercial auto insurance easy. Start your free, personalized insurance quote now at our online quote page . To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply: