We’re your commercial auto insurance specialists

We’re your commercial auto insurance specialists

We’re your commercial auto insurance specialists

Atlanta Insurance Center has your business covered. As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.

CUSTOMIZED COVERAGE FOR YOUR BUSINESS

CUSTOMIZED COVERAGE FOR YOUR BUSINESS

CUSTOMIZED COVERAGE FOR YOUR BUSINESS

With Commercial Auto Insurance from Atlanta Insurance Center, we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability

  • Medical Payments

  • Personal Injury Protection (PIP) Coverage

  • Comprehensive Coverage

  • Collision Coverage

  • GAP Coverage

  • Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

WHAT DOES COMMERCIAL AUTO INSURANCE COVER?

WHAT DOES COMMERCIAL AUTO INSURANCE COVER?

WHAT DOES COMMERCIAL AUTO INSURANCE COVER?

Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use.  A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial auto insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Bodily Injury Liability

This portion of the commercial auto policy may cover harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

Property Damage Liability

This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

Physical Damage

Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Any vehicles or trailers your company is making payments on or that have a lien will require this coverage.

Motor Truck Cargo

Motor Truck Cargo insurance is needed to protect your company in case of  loss or damage to freight or goods you are hauling for your clients. This coverage protects items that are being hauled for-hire and not owned by your company.  There is a maximum load limit per vehicle with this policy.  It is important that you report all types of cargo you might be hauling to your agent or when getting a quote. These policies have specified exclusions and in some cases may only cover cargo types specifically listed on the policy.

Trailer Interchange

Trailer Interchange Insurance is coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which is your possession under a written trailer interchange agreement. There is no coverage for a claim if a written agreement is not in place at the time of a loss. Most insurance companies will want to review the contract or agreement before they will add this coverage to your policy.

Non-Owned Trailer Physical Damage

Physical Damage Coverage is for a non-owned trailer that you are using and that is attached to your truck or tractor in the event of a claim.

Non-Trucking Liability

Non-Trucking Liability (sometimes called Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to another carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Collision

As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

Comprehensive

Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft and vandalism.

Uninsured & Underinsured Motorist

If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

Medical Payments

This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

Additional Optional Coverage

A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.

You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

Bodily Injury Liability

This portion of the commercial auto policy may cover harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

Property Damage Liability

This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

Physical Damage

Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Any vehicles or trailers your company is making payments on or that have a lien will require this coverage.

Motor Truck Cargo

Motor Truck Cargo insurance is needed to protect your company in case of  loss or damage to freight or goods you are hauling for your clients. This coverage protects items that are being hauled for-hire and not owned by your company.  There is a maximum load limit per vehicle with this policy.  It is important that you report all types of cargo you might be hauling to your agent or when getting a quote. These policies have specified exclusions and in some cases may only cover cargo types specifically listed on the policy.

Trailer Interchange

Trailer Interchange Insurance is coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which is your possession under a written trailer interchange agreement. There is no coverage for a claim if a written agreement is not in place at the time of a loss. Most insurance companies will want to review the contract or agreement before they will add this coverage to your policy.

Non-Owned Trailer Physical Damage

Physical Damage Coverage is for a non-owned trailer that you are using and that is attached to your truck or tractor in the event of a claim.

Non-Trucking Liability

Non-Trucking Liability (sometimes called Bobtail Coverage) provides limited liability truck insurance for owner-operators who are permanently leased to another carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Collision

As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

Comprehensive

Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft and vandalism.

Uninsured & Underinsured Motorist

If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

Medical Payments

This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

Additional Optional Coverage

A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.

You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

Types of Vehicles Commercial Auto Insurance Covers

Types of Vehicles Commercial Auto Insurance Covers

Types of Vehicles Commercial Auto Insurance Covers

Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

  • Company cars
  • Cargo Vans
  • Limos
  • Taxis
  • Buses
  • SUVs
  • Pickup trucks

Commercial auto policies may cover personal cars that are used for business, as well as SUVs, light duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.

Use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety, when they assess the amount of coverage your business needs.

If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

Does Commercial Auto Insurance Cover Personal Use?

Does Commercial Auto Insurance Cover Personal Use?

Does Commercial Auto Insurance Cover Personal Use?

Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

An independent agent like us, can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.

We’ll ask a variety of questions designed to not only get you an accurate quote, but also find discounts that may be available to you.

You may be asked questions such as:

How many commercial automobiles do you have?
How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
How many miles does each vehicle typically travel in a year?
How many drivers do you have?
What are their ages and level of experience?
Have your drivers taken a safe driving course?
If you’re in the market for commercial auto insurance, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.

START YOUR COMMERCIAL AUTO QUOTE

START YOUR COMMERCIAL AUTO QUOTE

START YOUR COMMERCIAL AUTO QUOTE

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at Atlanta Insurance Center who can help you determine the proper amount of coverage for all your commercial needs.