Commercial Auto Insurance Coverage

Protect Your Commercial Vehicles - Today

Commercial auto insurance can cover a combination of vehicle types and drivers and some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile and medical payments for the driver and passengers of the policyholder's car. Injuries and property damage to others are also covered.

Contact Diedrich Family Insurance Agency to discuss the best coverage to protect your commercial vehicles and your employees.

Types of Coverage

Hired / Non-Owned Auto Liability

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics or a jewelry sales business. This is where hired / non-owned auto liability insurance comes in handy - this particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes, this coverage can be added inexpensively to a business auto policy or in some cases, a general liability policy.

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident regardless of fault. Standard collision coverage will pay for any repairs up to the fair market value of your car. It usually comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance

Comprehensive insurance covers damage done to your vehicle in some way other than a collision, such as theft or vandalism. Animal impact, hail, flood, hurricanes, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision insurance, comprehensive insurance will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every business is unique - contact us today to find out how to get the best commercial auto insurance, service, price, and value.