Understanding Commercial Auto Insurance

When you say "auto insurance," you are referring to the insurance coverage of a single vehicle owned by a single entity. What about "commercial auto insurance" and the parameters of that type of policy?

This refers to an insurance policy that covers automobiles used for commercial purposes. These vehicles are owned by companies and used by drivers working for the company.

Who Needs Commercial Auto Insurance?

Not everyone needs commercial auto insurance. Not even those who drive cars provided by their company need it. If you have a car provided by your company that is primarily used for transportation to and from the office, with only infrequent meetings with clients,  then your personal auto insurance is enough.

You should have a commercial auto insurance policy in place, however, if your car is:

• Used to meet clients frequently for business
• Registered to the business that you own
• Driven by multiple company employees to perform official company duties

What Does a Commercial Auto Insurance Cover?

Commercial auto insurance has coverage for most of these situations:

• Property damage liability
• Auto liability coverage for bodily injury
• Medical payment coverage regardless of fault
• Collision coverage
• Theft, vandalism, and weather event coverage
• Uninsured motorist coverage
• Non-owned auto coverage
• Roadside assistance coverage

You will also find that when it comes to commercial auto insurance, expanded policies are available in order to protect both you and your company from possible lawsuits stemming from accidents caused by these vehicles.

Vehicles Covered by Commercial Auto Insurance

Many different kinds of vehicles are considered ideal fits for a commercial auto insurance policy. These include vehicles made for both business and commercial use, such as commercial trailers, dump trucks, semi-trucks, and other vehicles larger and heavier than a regular SUV or pickup truck.

Other vehicles well-suited to this kind of an auto insurance policy include:

• Snow Plows
• Box trucks
• Limousines
• Flatbed trucks
• Utility vans
• Work trucks
• Equipment trucks
• Taxis
• Rental cars

Who to Contact When You Need Commercial Auto Insurance

When you have vehicles that need to be covered for any eventuality, the company to call is Quote Commercial. We are a company that specializes in commercial insurance policies for customers in Texas. In addition to commercial auto insurance, we also carry commercial liability, workers’ compensation, and commercial property insurance.

For all your business and commercial insurance needs, don’t hesitate to contact us at 844-331-7076 and we will gladly discuss with you your options and which policies are best for you.