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Commercial Auto Insurance:
Commercial Auto Insurance:
What It Covers and Why It Matters
What It Covers and Why It Matters
Picture this: One of your employees is on the way to a client meeting in a company van and gets into an accident. Without the proper insurance, your business could be on the hook for medical bills, repairs, and even lawsuits.
Commercial auto insurance protects you from these costly surprises—here’s exactly what it covers.
What’s Covered by Commercial Auto Insurance?
1. Accidents & Liability
Bodily Injury: Covers injuries to others if your driver is at fault.
Property Damage: Pays for damages to someone else’s vehicle, building, or property.
2. Your Vehicles
Collision Coverage: Repairs your vehicle if it’s damaged in an accident.
Comprehensive Coverage: Protects against theft, vandalism, fire, and natural disasters.
3. Uninsured or Underinsured Drivers
Even careful drivers can get hit by someone without adequate coverage. This protects your business from those risks.
4. Medical Costs
Optional medical payments coverage helps with hospital bills for drivers and passengers after an accident—regardless of fault.
5. Extra Protections for Growing Businesses
Hired & Non-Owned Auto: Covers vehicles you don’t own but use for business.
Rental Reimbursement: Keeps your team moving if your vehicle is in the shop.
Roadside Assistance: A safety net for breakdowns, flat tires, or dead batteries.
Why It Matters:
A single accident could cost tens of thousands of dollars—or more if a lawsuit follows. Commercial auto insurance isn’t just a legal requirement in most states—it’s a shield for your company’s finances and reputation.
Don’t wait until an accident happens. Review your coverage today and make sure every vehicle—and every driver—is fully protected.
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