Commercial Auto & Trucking Insurance
Stay on the road to success with the right Commercial Auto Insurance. At Univista Insurance, we search for the ideal insurance solutions tailored to your business vehicles. Ensure the vehicles that drive your business are protected, so you can keep moving forward with peace of mind.
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What is Commercial Auto Insurance?
Commercial Auto Insurance is designed to cover vehicles used for business purposes. Whether it’s a delivery van, a construction truck, or a car used for client meetings, this insurance ensures you’re protected against potential accidents, damages, or liability arising from its operation.
With Univista, we bring you a selection of policies suited to the specific needs of your business, helping to shield you from unforeseen expenses.
What does Commercial Auto Insurance cover?
Commercial Auto Insurance can cover various risks related to business vehicles. Key coverages include:
- Collision coverage: Covers damages to your business vehicle if it collides with another vehicle or object.
- Liability coverage: Protects against legal expenses and damages if your business vehicle is involved in an accident causing injury or property damage to others.
- Comprehensive coverage: Pays for damages to your business vehicle from events other than collisions, like theft, vandalism, or natural disasters.
- Medical payments: Covers medical expenses for injuries sustained in an accident involving your business vehicle, regardless of who’s at fault.
It’s essential to understand that…
While Commercial Auto Insurance offers wide-ranging protection, specific needs or vehicle types may require additional policies or coverages.
How much does Commercial Auto Insurance cost?
The cost of Commercial Auto Insurance varies based on several factors:
- Type of vehicle: Insuring a delivery van may have a different cost than a small car used for sales appointments.
- Usage: How often and how far the vehicle travels can impact premiums.
- Driver Records: The driving histories of those operating the business vehicle can influence rates.
- Location: Rates can vary based on where the business is located, especially in areas with higher traffic or accident rates.
- Coverage limits: Choosing higher limits or additional coverages will affect the premium.
- Deductible amount: The chosen deductible amount can influence the cost of the policy.
Additional insurance coverages for your business
Protecting your business extends beyond just traditional business insurance. Depending on your specific situation and the type of business you own, there are other insurance policies you might need to consider:
General Liability Insurance
Protects against claims of bodily injury, property damage, and other common business risks.
Professional Liability Insurance
Protects you from claims of negligence or incorrect advice you or your professionals might provide.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Workers' Compensation Insurance
Covers medical expenses and wage replacement if an employee gets injured while working.
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
General Liability Insurance
Protects against claims of bodily injury, property damage, and other common business risks.
Professional Liability Insurance
Protects you from claims of negligence or incorrect advice you or your professionals might provide.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Workers' Compensation Insurance
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
Commercial Auto Insurance FAQs
Who needs Commercial Auto Insurance?
Businesses that own, lease, or rent vehicles, as well as businesses that have employees drive company-owned, leased, or rented vehicles, should consider Commercial Auto Insurance. It also applies to businesses with employees who drive their own vehicles for business purposes.
Is Commercial Auto Insurance mandatory?
Requirements can vary by state, but many mandate that business vehicles have a minimum level of liability insurance. It’s essential to check local regulations to ensure compliance.
Does Commercial Auto Insurance cover goods in transit?
Not always. While some basic policies might offer limited protection for goods in transit, specialized cargo or goods-in-transit insurance might be necessary for full coverage.
Still have questions? Speak to a Univista Insurance expert now.
Let us simplify the complexities and tailor solutions perfectly suited for you.
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