Commercial Auto

Commercial auto liability coverage provides protection for any commercial vehicle owned or leased by a business. Policies usually include collision and damage coverage as well as bodily injury and property damage to others.  If you or any of your employees have an accident in a business vehicle, you may be liable for bodily injuries, lost wages, or any damage caused.

Typical coverage includes:

Bodily Injury Liability - Coverage for damages that involve bodily injury to others for which you become responsible under law.

Property Damage Liability - Coverage for damage to property of others for which you become responsible under law.

Medical Payments - Coverage for reasonable and necessary medical expenses or funeral services for those who are accidentally injured or killed while in your vehicle or while getting into or out of your vehicle.

Personal Injury Protection - Coverage for medical expenses, hospitalization, rehabilitation, loss of wages, or loss of services resulting from injury to you or any resident family member. In the case of the death of the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.

Other available coverages:

Comprehensive - Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
 
Collision - Protection for the collision damage to your vehicle and its equipment, subject to the deductible on the policy.

Uninsured Motorist – This coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance and is found legally liable.

Underinsured Motorist – This coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.

Additional Expense - Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging, and other incidental expenses.

Hired Auto Liability Coverage - This covers liability for automobiles hired under contract on behalf of or loaned to the insured party.

Hired Auto Physical Damage - Coverage for physical damage to autos that are leased, hired, rented or borrowed.