Commercial Auto Insurance | Coverages

Collision

Covers the cost of repairing or replacing your vehicle when you’re involved in an accident.

Comprehensive

Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.

Liability

Bodily Injury, Property Damage, Uninsured Motorist and Underinsured Motorist are just a few of the liability coverages offered.

Coverage for Newly-Acquired Autos

Coverage automatically extends to recently purchased vehicles.

Medical Payments and Personal Injury Protection

These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a family member.

Road Trouble Service

If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need.

Additional Expense

When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car.

Optional Coverages

Any Auto Liability

Provides liability for any vehicle used in your business. Includes owned, leased, hired, rented or borrowed vehicles.

Hired Auto Liability

Provides liability for vehicles you hire, rent, lease or borrow.

Hired Auto Physical Damage

Provides Comprehensive and Collision coverage for autos you hire, rent, lease or borrow.

Non-Owned Autos Liability

Provides liability coverage when employees use their own vehicles for your business.

Diminished Value

Covers any real or perceived reduction in market value when a vehicle is repaired after an accident.

Broadened Coverage for Named Individuals

Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.

Loan Gap/Lease Gap

The second you purchase a car and drive it off the lot, the vehicle begins to lose value. If your vehicle is totaled in a car accident, you will owe the difference between the car’s value and loan balance. The Loan/Lease Gap Coverage offered by many insurance carriers will cover this gap if purchased.