Commercial Auto

Commercial Automobile Coverage provides valuable protection for all your company-owned, leased, or rented company vehicles. It also covers any vehicles that you or your employees use for business purposes. In case of injury to another person, their vehicle, or their property, if an accident happens, you will be glad you have this coverage.

What does Commercial Auto Insurance cover?

Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.

However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

Most Commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?

  • Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
  • Property damage liability coverage – provides you with protection if your car accidentally damages another persons property. It also provides you with a legal defense.
  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
  • Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
  • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, under-insured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
  • Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
  • Collision coverage – pays for damage to your car when it hits or is hit by another object


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