Commercial Auto Insurance

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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Do I Need Commercial Auto Insurance?

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.

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What Does Commercial Auto Coverage Cover?

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:

  • Vans
  • Pickup trucks
  • Box trucks and moving trucks
  • Service utility trucks
  • Food trucks
  • Cars

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:

  • Injuries caused by a commercial vehicle (liability)
  • Property damage caused by a commercial vehicle (liability)
  • Medical payments related to a commercial vehicle accident
  • Damage to a commercial vehicle from an uninsured motorist
  • Damage to a rented commercial vehicle
  • Liabilities associated with a hired auto

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What Does Commercial Auto Insurance Cost?

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.

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What Do I Need to Get Commercial Auto Insurance?

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:

  • Business address and Tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

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