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Commercial Vehicles

  • Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.

    Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business's car, you may be liable for bodily injuries, lost wages or any damage caused.



    Bodily Injury Liability

    Coverage for damages that involve bodily injury to others for which you become responsible under law.



    Property Damage Liability

    Coverage for damage to property of others for which you become responsible under law.



    Medical Payments

    Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.



    Personal Injury Protection

    Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.



    Comprehensive

    Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.



    Collision

    Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.



    Uninsured Motorist

    Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.



    Underinsured Motorist

    Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.



    Additional Expense

    Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.



    Hired Auto Liability Coverage

    Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.



    Hired Auto Physical Damage

    Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured's business.



    Employer's Non-Ownership Liability

    Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.