Protection for Trucks, Utility Vehicles, and Company Cars
Commercial vehicle insurance is just an essential part of your businesses insurance portfolio. If your business uses cars or trucks in its daily operations, then you need to protect both the vehicles and the people who operate them. You’ll also need liability protection if someone files a lawsuit against you.
The specific commercial truck and auto coverage your business requires can depend on many different factors, such as the type of vehicle, its age, and the primary reasons for its use.
We have years of experience in building relationships with some of the nation’s leading insurance providers. Together, we can create the perfect commercial vehicle insurance policy for your business.
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Learn more about commercial auto insurance
Commercial Auto Medical Payments
Policies written for commercial operations that include a vehicle exposure (Business Auto, Garage, Trucker, and Motor Carrier Coverage) are missing an important coverage: Auto Medical Payments. This coverage handles the reasonable expenses of necessary medical and funeral services suffered by persons (other than those listed as insureds) in an eligible loss. The coverage includes expenses
Commercial Drivers Drug and Alcohol Testing
The Federal Motor Carrier Safety Administration (FMCSA) oversees an extensive testing and education program to help employers protect the public against drivers who use controlled substances and/or alcoholic beverages during their work. We will discuss the program in several parts. We’ll first focus on the actual regulations. Nationally, drivers must comply with the following: 04
Coverage for Business Autos
Many businesses are exposed to possible losses due to the ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) which covers operations such as: Product or food delivery Transporting business products to wholesalers or retailers Retail product delivery to consumers Carrying persons
Drive Other Car Coverage
Vehicles that are owned or supplied by a business, non-owned and rented cars represent a problem when they are insured under a basic business auto policy. Such policies either provide little or no coverage when a loss involves personal use or use by a person who is NOT the vehicle’s owner. Serious coverage gaps may
Non-Owned Auto Coverage
Employees routinely use their own vehicles in their jobs or just to run errands for their employer. Does your company have protection in case of an accident and both your worker and your company are sued? If your company has a business auto policy, it should include coverage for ‘non-owned’ automobiles. These are vehicles owned