Business Auto Insurance Meeting

Commercial (Business) Auto Insurance

What Is It
A Commercial Auto Insurance Policy provides coverage for both vehicles and drivers as well as the damage that they may cause. Coverage scope and amounts range and are best decided based on the type of vehicles, driving, and operations being conducted.

Why You Should Consider a Commercial Auto Insurance Policy

Many small business customers don’t initially understand why they need a commercial policy. There are many gaps in coverage if you own a business and do not have commercial auto policy. It’s not as much whether to have a policy in place, but what type of policy, the proper amount of coverage, deductibles, etc. Costs due to vehicle accidents add up quickly.  Between the cost to replace/repair the vehicle, medical costs to drivers (or others), hurt in an accident, and the additional liability of damage to property – a large claim can put your business in financial jeopardy.

Additionally, situations where a personal vehicle is used to conduct business operations or activity can also put your business at financial risk.

Auto insurance can work in conjunction with an Umbrella policy, so it is often important to look at the entire scope of your insurance coverage and needs. At Regency, we specialize in business insurance coverage. We can look at one individual coverage area such as Business Auto Insurance, or your complete business insurance needs to ensure you have the proper level of coverage.

More Information
Depending on the number and type of vehicles, you can select separate plans for vehicles and drivers or look at fleet insurance options. Premiums are affected by many criteria including location of the business, nature of the driving activity, type of vehicles, driver records, deductibles, and much more.

Coverage options can include:

  • Bodily injury
  • Medical payments
  • Personal injury
  • Property loss or damage
  • Collision coverage
  • GAP coverage
  • Comprehensive coverage
  • Coverage for non-company owned vehicles
  • Uninsured and Underinsured Motorist coverage

Each industry and company's requirements can be very different. We'll examine your individual business requirements to make sure you are covered. We can educate you on coverage options and avoid any unwelcome surprises down the road!.

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Or, for more information on this coverage please contact us.

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