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Your business and your wheels

Regardless of the type of business you have, you probably use one or more vehicles to get around.
Depending on how your organization operates, this can include vehicles that are owned or leased by the
business, hired out for limited use or owned by employees but used for any reason related to your business.

This last category, the employee-owned vehicle, is frequently overlooked, but this is an important element of
your policy if you ask your employees or staff to use their personal vehicles for even small errands, like taking
a check to the bank or visiting a supplier or customer.

We’ll build the right commercial auto policy for you

Let us build a custom commercial auto policy that meets your specific needs. There can be different limits and
types of coverage for each and every vehicle, so it is important to have an experienced insurance professional
who understands how to evaluate your unique needs.
Your policy will clearly specify:

  • Each covered vehicle
  • The specific liability and physical damage coverage for each
  • Your limits of insurance
  • Business use definitions
  • Who is insured

Coverage types

  • Liability: covers third-party medical costs or damage awards for bodily injury, death or physical
    property damage/losses due to the negligence or fault of the individual driving your insured
    vehicle.
  • Comprehensive: covers damage to your insured vehicles that occurs for reasons other than
    collision, such as weather, animals, vandalism or theft.
  • Collision: available alongside liability and comprehensive coverage. Helps with the cost of vehicle
    damage caused by your driver.
  • Specific perils: adds hazards or events that are excluded from the main policy that could lead to
    vehicle damage while it is on your property.
  • Uninsured and/or underinsured motorist bodily injury and property damage: pays if your
    business vehicle is hit by someone who has insufficient insurance to pay for your losses.
  • Personal injury protection (PIP): pays for medical treatment for the driver and passengers of
    the policyholder’s car. It may also help with injured parties’ lost wages and the cost of replacing the
    services of the injured driver.
  • Non-owned auto: specifically insures rented, leased or borrowed vehicles used by the business or
    for its purposes.

Fleet insurance: covers all your business vehicles.

Our promise to you

You take care of your business, and we’ll take care of you. Responsive, friendly service is how we roll. We offer:

  • Clear identification of the number and types of vehicle insured, as well as the causes and types of
    damage covered
  • Customized coverages, limits and deductibles by vehicle
  • Annual policy reviews to ensure adequate coverage
  • Responsive, friendly claims professionals
  • Easy claims reporting process

Give us a call or reply to this email to get started. We look forward to helping you stay safe on the road.