Business auto insurance helps cover vehicles owned by your business.

Whether you have a fleet or one commercial vehicle, consider business auto insurance.

Add an extra layer of coverage to your auto policy.

A vehicle collision is never good news. However, if it involves a car or truck owned by your business, the situation becomes more complicated. Business auto insurance takes all the elements of normal auto coverage and adds on extra protection. This may include coverage for the following:

Higher liability coverage than auto insurance for individuals.

For example, when you get business auto insurance, you often choose higher liability coverage. This is because a business usually has more assets at risk than an individual.

Additionally, you can get collision insurance. This type of coverage pays for damage to your vehicles, no matter who caused the accident. This protection is often necessary if you lease or finance commercial vehicles.

Do your employees need coverage on their personal vehicles?

If your employees use their own cars for work and have an accident, your business could be responsible. With non-owned auto liability coverage, your business may be protected.

Essential for employees who use their own vehicles for work.

It’s also important to think about non-owned auto liability coverage. This is an add-on or separate policy. It covers situations when your employees drive their own cars or trucks for work. This type of protection can help lower the chance of legal problems if they get hurt or their vehicle is damaged at work.

Business auto insurance is essential for those that run a business. Contact us to learn more and to go over your specific needs and coverage options.

FAQs

What is business auto insurance?

Business car insurance, or commercial auto insurance, protects vehicles used for work. It covers costs for property damage and injuries in work-related accidents.

Businesses that transport goods or passengers need special insurance. This is also true for those making deliveries. If employees use vehicles for work, they need this insurance too.

Commercial policies offer wider coverage for the higher risks that come with business use. They can protect the business owner and employees from costly out-of-pocket expenses.

Who needs business auto insurance?

Anyone who uses a vehicle for work needs business auto insurance. This includes company-owned, leased, or personal vehicles. This type of coverage is necessary because personal auto policies typically do not provide coverage for business-related incidents.

Business auto insurance helps protect against money losses. It covers bodily injury, property damage, and vehicle repairs.

This insurance is important when a vehicle is used for business tasks. These tasks include transporting people or goods, going to job sites, or hauling equipment.

What’s the difference between personal and business auto insurance?

Personal auto insurance is for personal use and occasional errands. Business auto insurance covers vehicles used for work.

This includes transporting goods, equipment, or customers. It also covers vehicles that are registered to a business. Key differences are higher liability limits and coverage designed for specific business risks. This makes commercial policies more costly but essential to avoid gaps in protection.

Does business auto insurance cover employees driving their own cars for work?

No, standard business auto insurance does not cover employees driving their own personal vehicles for work. A business owner needs to buy a special addition to their commercial policy. This addition is called Hired and Non-Owned Auto (HNOA) liability coverage.

How can I save on business auto insurance?

To save on business auto insurance, you can reduce your risk through safe driving programs and vehicle maintenance, increase your deductible, bundle your auto policy with other business insurance. Implementing these strategies helps lower your premiums by demonstrating a lower risk to insurance companies.

Reduce Your Business Risk

• Focus on safe driving. Start a driver safety program and offer regular training. Set clear rules against distracted driving to lower accidents and claims.

• Keep your vehicles in good shape. Regular inspections and maintenance can help prevent breakdowns and accidents. This will lower your risk.

• Hire safe drivers: Emphasize hiring employees with good driving records to minimize the risk of accidents and claims.