Commercial auto insurance is one of the most critical coverages for your business insurance and risk management program. Your personal automobile policy does NOT cover vehicles used by your business. If your business uses vehicles or anything that is required to be titled by your state, then you need a commercial auto policy. Commercial auto coverage insures against property damage and bodily injury.
Commercial auto insurance insures your business against loss or damage to vehicles used by your business and damage caused to others by vehicles used by your business. Your business needs commercial auto coverage if it uses any titled vehicles in its business. If a vehicle is used extensively or exclusively for the business, your company may face liability even if the title is not in the name of the business. We can help you sort these issues out.