Commercial Auto Insurance

 Most policies include:

• Liability coverage for bodily injury and property damage if you or your employees are at fault.
   
• Collision coverage for damage to your business vehicle from an accident.
   
• Comprehensive coverage for non-collision damage, such as theft, fire, or vandalism.
   
• Medical payments coverage for injuries to you and your passengers.
   
• Uninsured/underinsured motorist coverage to protect you if another driver has little or no insurance.
  Optional add-ons can include towing, rental reimbursement, and roadside assistance.

 You may need this coverage if you:

• Own or lease vehicles titled to a business.
   
• Use personal vehicles for business purposes (like making deliveries, transporting equipment, or visiting clients).
   
• Have employees who drive company vehicles.
  Even small businesses with a single car or truck may require it.

 The cost depends on several factors, including:

• The type of vehicle and its use.
   
• Driving records of employees.
   
• Coverage limits and deductibles you choose.
   
• Location and frequency of vehicle use.
  Businesses with larger fleets or higher-risk driving activity typically pay more.

 Commercial auto policies can cover a wide range of vehicles, such as:

• Cars, SUVs, and pickup trucks.
   
• Vans used for deliveries or transporting goods.
   
• Utility trucks or service vehicles.
   
• Some types of larger commercial trucks, depending on business needs.