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Commercial Auto Insurance Options

Auto insurance for commercial vehicles serves the same purpose as passenger car insurance, the only major differences being the value of the vehicle being insured, and the variables of the business the vehicle is involved in.

When you run a business, it can seem like everybody wants a piece of you, and reliable commercial auto insurance will protect any business owner from costs incurred due to car accidents that threaten to pull them out of the black.

 As a private and independent insurance agency, we have partnered with great commercial auto insurance providers to bring you personalized serviceexpert advice, and a trusted network of commercial claims services. All of the following types of coverage are available on most vehicles for most business types, except where specifically noted. 

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This type of commercial auto insurance is the type that you must have.

A liability policy will meet all legal requirements in any state or territory and provide you with sufficient insurance coverage to operate your vehicle legally on public roads there.

Liability insurance as a general statement pays for damages that other people incur because of your driving or the driving of your employees. If you are found liable or responsible for some type of bodily injury or property damage, you would be legally required to pay those damages from your own bank account if you didn't have liability insurance. This type of coverage very seldom offers any benefits to help pay for personal injuries or property damage to the policy holder. 

There are two types of damage you can be held liable for while operating your vehicle whether it is a commercial vehicle or otherwise. These two types of damage are personal injuries and property damage. There are separate commercial coverage limits and maximum benefit amounts for each which are listed in the chart at right. 

Bodily Injury Liability

If your employee is found to be at-fault in an accident, bodily injury liability will pay for the medical bills and other relevant costs incurred by the victim up to a certain dollar amount referred to as the liability limit.  

The minimum and maximum limits on these policies contain two amounts. the first amount is the maximum benefit award for injuries or funeral costs to a single person in any single event or accident. The second amount is the total maximum benefit amount awarded to any number of persons injured or deceased in a single qualifying eventThere are minimum bodily injury limits in each state, but any professional insurance agent would recommend more liability coverage than is necessary (especially for business-owners). This is because medical costs for a person that is seriously injured can cost a great deal more than a state's minimum BIL insurance amount. Bodily injury liability amounts must be the same across all vehicles on a policy, and most insurers will not issue separate commercial insurance policies for the same policy-holder.  

Property Damage Liability

This type of liability insurance coverage protects others against the property damage you may cause as a result of your driving. This protection does not offer any property damage benefits for your vehicle however, and must not be confused with no-fault, UM, UIM, collision, or comprehensive coverage. This coverage only pays for property damage to vehiclesstructures, or personal effects of other people with whom you have become involved in an accident.  

Liability Coverage Limits Available

Although there are minimum liability coverage requirements in each state, business owners are highly encouraged to purchase more commercial liability insurance than is required in order to protect themselves and their business partners from 

In each of the following coverage amounts, the variables read as follows:

The first number is the maximum benefit amount towards personal injury, medical, or funeral costs to any single person harmed by your driving, in thousands of dollars.

The second number is the maximum benefit amount towards personal injuries to any number of people in a single event in thousands of dollars. 

The third number signifies the amount of property damage protection the policy offers, also listed in thousands of dollars. 

CSL means combined single limit and refers to a single liability insurance limit which is slightly higher than specific liabililtiy policies, but allows extra lee-way in case of an accident or lawsuit. 

these are some common liability insurance limits we offer:

15/30/5    OR    100 CSL

25/50/15   OR    300 CSL

50/100/25   OR   500 CSL

100/300/50  OR   600 CSL

250/500/100  OR  750 CSL


















Collision & Comprehensive Coverage Information

The physical damage portion of our commercial vehicle insurance covers collisions, and comprehensive damages with optional coverage for Fire and Theft and Combined Additional Coverage.

These physical damage insurance options can and will protect your entire fleet from whatever your business and the road may throw at them.

Valuation Practices & Your Responsibilities

Many companies will use stated values to more accurately determine the worth of your vehicle at the time you purchase your commercial auto insurance policy. Vehicles valued at more than $150,000.00 must be approved by the insurer before the policy can be considered in-force. 

Vehicles equipped with tools that are estimated at more than 50% of the value of the vehicle are unacceptable risks and are not eligible for coverage.

It is not the responsibility of the auto insurance company to make sure that your valuation of your vehicle is accurate. It is the sole responsibility of the policy holder to do so accurately in order to prevent dissatisfaction with the award amount if there is a qualifying accident. In addition to passing this responsibility along to the consumer, the policy-holder must also report annual or bi-annual devaluations to their insurer in order to make sure that their benefit amount and the approximate value of their vehicle stay on par with each other for the life of the policy.

Other Rules

A minimum value of $5,000 is required for rating or power driven vehicles, this is not true however for trailers.

Vehicles which carry passengers primarily, and are valued at more than $100,000.00 must also be approved by your insurance provider before any insurance policy is considered in-force. 

Full comprehensive coverage is not available on all type of vehicles. Instead Fire & Theft With Combined Additional Risks coverage will be offered in those situations.

You may purchase comprehensive or specific risk coverage without adding collision coverage, but only if you also purchase your bodily injury and property damage liability coverage.   



Collision Benefit Limits

Collision insurance will cover any medical bills and property damage up to a certain amount. In order to qualify for insurance benefits, these damages must be caused by a covered vehicle and driver being involved in a collision with either another vehicle, a structure, object, animal, or pedestrian.

Collision coverage fulfills neither of your state legal obligations to carry bodily injury or property damage liability insurance.

Full Coverage (Comprehensive)

The comprehensive portion of this insurance coverage will protect you against other seemingly random perils or risks. Most of the parts of comprehensive insurance plans come as part of a group, but other such as vandalism or civil disturbance must be purchased separately as full coverage options.

The multitude of full coverage and comprehensive commercial insurance options we offer is very long and varies by carrier. For more specific information on the full-coverage insurance options available on your particular vehicle or through a specific company, please call our office during regular business hours at 1-800-771-7758.

Physical Damage For Commercial Vehicles

The following are the physical damage award limits of some of our common commercial auto insurance policies. All of these amounts apply purely to property damages incurred by the policy-holder in a qualifying event. Numbers listed below are in thousands













Available No-Fault (UM/ UIM) Coverage Limits

These insurance benefit limits are described in the same fashion as those on the liability coverage page.

All of the values below are for personal injury benefit limits. Property Damage coverage is available in the amount of $3,500. If you would liike more property damage coverage, call an agent during regular business hours to discuss options. Property damage coverage may be selected by signing the appropriate box on the application. 

Bodily Injury Limits:













No Fault, Underinsured & Uninsured 

This type of insurance can be used to pay for either property damagebodily injuries, or both. Essentially this type of policy exists to protect you from the jerks out there. This insurance is often called no-fault coverage because it can be collected to pay damages regardless of who was found at-fault.

Ideally everyone that owns a vehicle would purchase their fair share of liability auto insurance, so that no matter who causes an accident, everyone involved would be covered. We do not however, live in an ideal world, and there are thousands of hit-and-run accidents every year. So who pays for them? The people that are victimized.

On top of hit-and-runs there are all of the people who either purchase sub-par auto insurance, or intentionally commit insurance fraud because they can't afford the premium, and stick you with the bill after an accident.

Uninsured and Underinsured motorists coverage protects you from all of these situations.  insurance steps in during all of those types of situations and pays medical bills and property damage costs caused by another driver who didn't have coverage. This is if you've opted for the $3,500 in UM/UIM property damage coverage.

More and more states are starting to require this type of coverage in order to combat consumer absorption of costs due to hit-and-run accidents and other similar events.

Several rules apply to this type of coverage because when it first went on the market it was exploited by consumers looking to force insurance companies to pay for property damage caused by their own negligence .

First of all you cannot have more UM/UIM or no-fault insurance coverage than you have liability protection, and the limits must be the same on all vehicles on your policy. 

You can only get this type of coverage on a power driven vehicle for which you have not also purchased collision coverage. You may reject only the property damage portion of this coverage if you do-so in writing.  


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