What Is Commercial Auto Liability Insurance?

A Commercial auto liability policy is required if you drive a commercial auto/truck and transport cargo of others. Commercial auto could mean a commercial bus, tractor trailer, van or any public vehicle carrying passengers or cargo. 

 

What Does Commercial Auto Insurance Cover? 

Commercial auto insurance consists of bodily injury liability and property damage liability. This coverage protects your business if you or one of your employees causes injury or damage to another party while driving and are deemed to be at fault for the crash. The insurer will also help pay for the legal fees to defend your business in court.

Bodily Injury Liability provides coverage for your business if you or your employee is at fault for causing a crash that physically injures another person.  

Property Damage Liability provides coverage if you are responsible for damage to another parties property. The property can be another vehicle or any other property, such as street sign, building or vehicle.

Medical Payments is a no-fault coverage, which provides payments for any medical or other expenses for the driver of your vehicle as well as any passengers in your vehicle.  

Collision coverage pays for physical and mechanical damage to your vehicle when it hits or is hit by an object or another vehicle.

Comprehensive coverage pays for the loss of your vehicle if it is stolen, or damage to your vehicle from theft, vandalism, fire, glass breakage, and flooding.

What types of Commercial Trucks do we insure?

·      Dump Truck 
·      Cement Mixer 
·      Tractor-Trailer
·      Flatbed 
·      Tanker 
·      Refrigerator Truck 
·      Garbage Truck 
·      Heavy Hauler 
·      Tow Trucks
·      Cargo Vans

What factors affect your Commercial Auto Insurance Premiums?

Commercial Auto insurance rates are based primarily on the driving records of individual drivers and your policy claim history.  If you focus on hiring more mature, experienced  and responsible drivers you will benefit in the long run.  In addition, you should also enforce proven safety standards and provide your drivers with the tools they need to avoid having accidents.  So, hiring the right drivers and instilling a culture of safety within your organization is very important .  By doing, so your claim history will be better and that will help to lower your premiums. 

Where is the best place to purchase commercial auto insurance?

Bottom-line, you should work with an insurance agency that has the experience and who specializes in commercial auto insurance. Through our insurance network of commercial auto insurance carries, we can offer you a comprehensive range of products tailored specifically for your trucking and transportation business.   We are experts and we’ll take the worry our of protecting your business