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Commercial Auto Insurance

For businesses that rely on vehicles for their operations, commercial auto insurance is essential. Whether you have a fleet of delivery trucks, service vans, or company cars, protecting your vehicles and drivers with the right insurance ensures your business stays on the road without interruption.

What is Commercial Auto Insurance?

Commercial auto insurance is a specialized policy designed to cover vehicles used for business purposes. It provides financial protection against a variety of risks, including accidents, theft, and damage, ensuring that your business can continue to operate smoothly even in the face of unforeseen events.

Why Do You Need Commercial Auto Insurance?

Personal auto insurance policies typically do not cover vehicles used for business purposes. Without the proper commercial coverage, your business could be left vulnerable to significant financial losses in the event of an accident or other incidents involving your vehicles. Commercial auto insurance provides the necessary protection to keep your business running efficiently.

Key Benefits of Commercial Auto Insurance

  1. Comprehensive Coverage: Protects against a wide range of risks, including accidents, theft, vandalism, and natural disasters.
  2. Liability Protection: Covers legal fees and damages if your business vehicle is involved in an accident that results in injury or property damage to others.
  3. Medical Payments: Provides coverage for medical expenses for drivers and passengers injured in an accident.
  4. Collision Coverage: Pays for damages to your business vehicles resulting from a collision, regardless of fault.
  5. Uninsured/Underinsured Motorist Coverage: Protects you if your vehicle is involved in an accident with a driver who has insufficient insurance.

Types of Coverage Included in Commercial Auto Insurance

  • Liability Coverage: Protects your business from legal responsibility in the event of an accident causing injury or property damage.
  • Physical Damage Coverage: Includes both comprehensive and collision coverage to protect your vehicles from damage.
  • Medical Payments Coverage: Covers medical expenses for injuries sustained by the driver and passengers.
  • Uninsured/Underinsured Motorist Coverage: Provides protection if your business vehicle is involved in an accident with an uninsured or underinsured driver.
  • Hired and Non-Owned Auto Coverage: Extends coverage to vehicles rented or borrowed by your business.

Who Should Consider Commercial Auto Insurance?

  • Delivery Services: Protect your delivery vans and trucks that are essential for your business operations.
  • Service Providers: Ensure your service vehicles, such as repair vans and plumbing trucks, are covered.
  • Sales Teams: Safeguard the cars used by your sales team for business travel.
  • Contractors: Cover the trucks and vans used to transport tools and materials to job sites.
  • Any Business Using Vehicles: Any company that uses vehicles for business purposes should consider commercial auto insurance.

Contact Us

Keep your business moving forward with comprehensive commercial auto insurance. At Licato Agency, we understand the unique needs of businesses and provide tailored insurance solutions to protect your vehicles and drivers. Our experienced team is committed to finding the best coverage for your business at competitive rates.

Call Licato Agency today at 908-757-5500 to discuss your commercial auto insurance options and get a personalized quote. Ensure your business stays on the road to success with the right protection in place!