Whether you own a large business with a fleet of delivery trucks or a small business with only one or two cars used to follow up on sales prospects across the state, you will need commercial auto insurance to protect you, your business, your employees, and your vehicle. The type of liability and physical damage coverage offered by a commercial auto insurance policy can vary greatly from client to client. That’s why we work closely with our customers to understand their business and provide the best policies for the best value.
Commercial Auto Insurance vs. Personal Auto Insurance
In many ways, these two types of vehicle insurance are closely related. Both are intended to protect the driver of a vehicle in the case of an accident and both can cover liability as well as injury and damage to the vehicle. However, commercial auto insurance is written specifically for the use of cars, truck, or vans used to conduct company business. Personal auto insurance simply wasn’t written to cover this type of vehicle use. The specific coverages, exclusions, eligibilities, and limitations on each type of policy will differ significantly. That said, most commercial auto insurance policies cover the following:
Liability – covers costs and legal defense in cases of bodily injury, death, property damage, and medical expenses incurred as the result of an accident
Medical — covers the driver and passengers in the event of an accident
Collision — covers damage from a collision with another vehicle or object
Comprehensive — covers damage from incidents such as theft, fire, flood, hail, or tornado
Commercial auto insurance rates vary tremendously. Our skilled JVM Insurance agents will see to it that you get comprehensive car insurance at the most competitive rate.