Commercial Auto

Do you deliver goods/services for a fee, have employees who operate vehicles for your business, own/rent/lease commercial cars and trucks, or have company vehicles? If so, you might consider carrying a commercial auto policy. A commercial auto policy provided by Armor Insurance Professionals can protect you and your commercial investments in case of:

 

  • Accidents involving pedestrians (incurring medical treatment bills)

  • Accidents involving property damage

  • Accidents involving other vehicles

 

What can a commercial auto policy cover?

Like a personal auto policy, commercial auto policies coverage can include:

 

  • Liability: If you are legally at fault for a car accident, liability coverage can pay for the expenses related, such as repairs, medical treatment, and legal fees for the other driver involved. The amount paid out is determined by your policy’s coverage limit.

  • Collision: Collision coverage can pay for the cost of repairs of your car if you hit another vehicle or object, minus your deductible.

  • Comprehensive: If damage to your car is caused by an event other than a collision, such as a tree falling on your car, comprehensive coverage can cover the repair costs, minus your deductible.

  • Medical Expenses: This coverage pays for injuries that you, a family member, or another driver may experience in an accident when driving your vehicle. It can also pay for injuries incurred when riding in other cars.

  • Uninsured/Uninsured Motorist: This covers your injuries or property damage when the driver at fault does not have adequate insurance to cover them. In addition, this can cover you if you experience a hit-and-run where the other driver leaves the scene of the accident and you cannot make a claim against them.

  • Roadside Assistance: If you need a tow truck, have a dead car battery, have a flat tire, or run into other issues with your vehicle, this can cover the expenses of roadside assistance services.

  • Rental Vehicles: While your car is getting repaired, we can reimburse you for a rental car so that you can continue with your daily transportation needs.

Who needs a commercial auto policy?

In short, anyone who uses a vehicle for their profession or for business operations (with the exception of getting to and from work) should have a commercial auto policy. Even if the vehicle used for business is a hired vehicle, a commercial auto policy can protect you, your employee, and the vehicle in case of an accident. Commercial auto policies aren’t just for employers. If you use a personal vehicle for business reasons (for example, if you use your own car to deliver goods), you would benefit from a commercial auto policy.

Keep in mind that with Armor Insurance Professionals, you get to personalize your insurance policies to suit your needs and circumstances. As a brokering agency, we can compare prices from different companies for you at no cost. Need help deciding on the right amount of protection that fits in your budget? Get an online quote  now or  speak with a friendly agent to get started!

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