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Commercial Auto Insurance

Quality Commercial Car Insurance

Commercial auto insurance is specifically engineered for vehicles utilized for the operation of a business. It helps by protecting the policyholder from liability issues and from costly repair or vehicle replacement expenses should a commercial vehicle or driver be damaged ort injured.

Who benefits?

Commercial auto insurance can be made to meet the needs of all kinds of businesses that need to use vehicles in any way. Not only is it often legally mandated, it is also really beneficial for assuring that the business owner can avoid many unnecessary legal, medical, or repair costs. Businesses big or small can benefit hugely from having this type of a policy.

How it works

The commercial auto policy is similar to a personal car insurance policy. As in normal car insurance, the company will need to first determine what coverage levels and types they need and how much their budgets will allow. (It is a good idea not to shortchange yourself when protecting your fleet investment.) Once this is done, the business may then choose the policy best meeting its needs. The insurance provider will give the business an agreement to sign and, once done, coverage starts. The policyholder then simply pays the premiums regularly and on time until (or if) a claim needs to be filed. This is done in accordance with the procedures set forth by the insurance provider. The insurance company will then offer of assistance and instructions on how to move forward with the claim.

Types of coverage

There are two main types of coverage for commercial car insurance. The most often used is the “per vehicle insurance”, which is usually bought by small to medium sized firms. Larger companies will often find it to be more beneficial and cost-effective to buy “fleet insurance.” A fleet insurance policy is a more comprehensive policy that provides coverage for all the vehicles and drivers at a company at the same time. This is different from the per vehicle insurance policy. Per vehicle insurance is exactly what the name implies, which is an individual policy that is obtained for each vehicle and that is used in the operation of the business. (All employees that use that particular car must be on the policy.)


Commercial auto insurance is designed specifically for vehicles used in business and it provides invaluable protection from liability. It also gives company coverage for costly repair bills after a company vehicle is damaged. Many experts will say it is a good idea to buy the most policy your business can afford.