Are you a business owner who relies on one or more vehicles to keep your operations running smoothly? If so, it’s essential you protect your business with commercial auto insurance.
Commercial auto insurance coverage is designed to shield your business from a wide range of potential hazards and risks, from accidents and theft to vandalism and weather damage. Without adequate insurance in place, you’ll likely face significant financial losses and legal headaches in the event of an incident.
You owe it to yourself and your business to explore your options for commercial auto insurance and find a policy that meets your unique needs and budget. So why wait? Get started today and gain the peace of mind you need to focus on growing your business.
Get a QuoteYour Business Comes First with The Insurance Alliance
Every business is different and may have special insurance requirements. Our team of expert commercial auto insurance agents can help you find the right coverage for your business.
We know that your business is your livelihood, which is why we have partnered with the top insurance providers to bring you the best commercial auto insurance coverage options and affordable premiums.
Want to get started by comparing rates and getting a clearer picture of what your commercial auto insurance protection will look like? We offer free, no-obligation quotes. Our online quoting tool helps you make informed decisions from the comfort of your own home.
The Insurance Alliance also offers you a convenient and accessible experience through our mobile app, where you can download auto ID cards, submit claims, access policy documents, and more.
What Does Commercial Auto Insurance Cover?
- Liability coverage Liability coverage includes the following:
- Bodily injury: If a third party is injured in an accident and you’re at fault, this coverage pays medical and other expenses.
- Property damage: Pays for damage to another person’s property (e.g., car, home), if you’re at-fault in an accident.
In most U.S. States, commercial vehicle liability insurance is required by law. However, the minimum required liability insurance coverage varies from state to state, so it is essential to contact one of our insurance agents to obtain details about what you need where you operate your business.
Below is an example of what vehicle liability coverage could look like for your business:
- $25,000 bodily injury liability per person for injury or death.
- $50,000 bodily injury liability per accident.
- $20,000 property damage liability per accident.
Ask our insurance agents about your business needs, as some commercial vehicles may require additional liability coverage.
- Collision coverage This coverage helps pay for damage to an insured business vehicle if it is involved in an accident.
- Comprehensive coverage This coverage helps pay for damage to an insured commercial vehicle resulting from an incident other than a collision, such as theft, vandalism, or fire.
- Uninsured/underinsured driver coverage This coverage helps pay for medical and other expenses if occupants of a vehicle are injured in an accident by an uninsured or underinsured driver.
Are you looking to buy commercial vehicle coverage in Illinois? Learn more
Types of Commercial Vehicles Covered by Insurance
You can obtain insurance coverage for several types of commercial vehicles used by your business, including the following:
- Cars
- Vans
- Limos
- Taxis
- Buses
- SUVs
- Pickup trucks
Additional Coverage Options
If you are using vehicles for your business operations that you don’t own, you can purchase hired and non-owned auto (HNOA) coverage, an additional coverage option which protects your business if you rent or lease a vehicle.
Additionally, if your business uses large, heavy-duty trucks, you can ask one of our skilled insurance agents about commercial truck insurance, which provides more specialized coverage.
Get a QuoteThe Insurance Alliance: Keeping Your Business on the Safe Side of the Road
Commercial auto insurance is a wise investment for any business that utilizes vehicles for their business operations. Whether your business uses a single vehicle or several vehicles for commercial purposes, having the proper coverage can protect you and your business from unexpected incidents and financial loss.
Investing in a robust business vehicle insurance policy not only protects your assets, but also provides peace of mind for you and your employees. Remember, accidents happen, but with the right coverage, you can confidently navigate the road ahead.
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