Commercial Auto Insurance

Commercial auto insurance protects your company from the exposures of liability for bodily injury or property damage resulting from the use of a motor vehicle. Whether you are negligent or not, motor vehicle accidents can cause you to be sued. Commercial auto insurance will pay for your defense costs, as well as damages for bodily injury and property damage to others caused by your negligence. In addition, commercial auto insurance can provide physical damage coverage, which pays for damage to your own vehicle.

You should buy commercial auto insurance knowledgeably after consulting with the experts at The Insurance Smith, where an agent can tailor an insurance package for you. The package should cover auto general liability, worker's comp, special riders, and more. Design an umbrella commercial auto insurance policy that meets all your insurance needs.

Acquiring proper commercial auto insurance ensures the long-term viability of any business that relies on vehicles. Insurance should just be considered a standard cost of doing business; if a business can't remain profitable while paying legally required insurance, then it most likely will not be in operation for very long. Luckily, many insurance companies offer special deals for businesses using experienced drivers, installing additional security features or negotiating with an insurance agent.

Not all auto insurance is handled the same way. Commercial auto insurance, for example, is handled differently than personal auto insurance. Commercial auto procedures and processes differ from insurer to insurer, and insured to insured. Many state-reporting programs require that commercial lines auto insured be reported without an appreciation for the differences in coverage and handling processes.

In all 50 states, businesses that own vehicles are legally required to carry commercial auto insurance. All businesses have work-related driving exposures that carry the potential for severe, catastrophic damages. Once you or an employee steps into a vehicle to conduct work-related business, there is the potential to cause a multi-million dollar loss. Whether you work from home and use a personal vehicle to call on clients, or you have a fleet of company vehicles, commercial auto insurance is essential. When your commercial vehicles are out of commission, it's more than just an inconvenience for your business -- it's lost profit. With a commercial auto insurance policy from an agency like The Insurance Smith, your cars, trucks, and other vehicles can be back on the road quickly if they are ever involved in an accident.