Commercial Vehicle Insurance

Guard Against Potential Financial Losses and Legal Issues Related to Accidents with Company Vehicles

(877) 417-0120

CARS AND PICKUPS

Insure the cars, vans, and pickups used in your business.

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MEDIUM TRUCKS

Call us for a quote on medium size trucks of all types.

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BIG RIG TRUCKS

Insure the big rig truck you use to make a living.

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DELIVERY VANS

Protect your vans  and drivers.

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Ensuring Your Business Vehicles Are as Protected as Your Bottom Line

Commercial auto insurance acts as a safety net for businesses that rely on vehicles. It protects your company’s finances in case of incidents involving your work vehicles. It covers bodily injury and property damage to others, but it can also include coverage for your own vehicles and even medical expenses for your passengers.  Commercial auto insurance allows businesses to operate with peace of mind, knowing they’re protected on the road.

At Statewide Commercial Insurance Brokers, we provide tailored insurance solutions for a broad range of business vehicles, from cars, vans, and pickups to medium and heavy trucks—including box trucks, delivery trucks, tow trucks, dump trucks, flatbed trucks, concrete mixers, and big rigs. Our dedicated agents are committed to ensuring your vehicles are properly insured, empowering you to propel your business forward with confidence.

Key Commercial Vehicle Coverages

Commercial vehicle insurance is essential for protecting your business and vehicles and limiting your liabilities. Key coverages include:

  • Auto liability: Covers damages and injuries caused by your vehicles.
  • Physical damage coverage: Includes collision and other-than-collision damages to your vehicle.
  • Uninsured motorist coverage: Covers damages incurred when someone who doesn’t have liability insurance hits you.
  • Medical payments/personal injury protection (PIP): Covers medical expenses after an accident.
  • Cargo insurance: Safeguards goods in transit.
  • Hired and non-owned coverage: Extends liability protection to vehicles that are not owned but are used by the business, such as rented or employee-owned vehicles.

The High Cost of Not Having Coverage for Commercial Vehicles

Not having commercial auto insurance can be a costly gamble for your business. If an accident occurs while using a business vehicle without proper coverage, your business finances could be on the hook. You’d be responsible for any injuries, property damage, and repairs resulting from the accident. Additionally, using your personal vehicle for business errands without notifying your insurance company can lead to a denied claim. Most personal auto policies exclude coverage for business use, leaving you completely uninsured in an accident. Protect your business and avoid financial headaches by ensuring that all vehicles used for business have proper commercial auto insurance.

Frequently Asked Questions

Determining the right amount of coverage involves assessing your business’s specific risks, the value of your vehicles, and legal requirements in your area. Our team of expert insurance agents is committed to guiding you through every step of the process, ensuring that your business is equipped with the right coverage tailored to your unique needs.

Cargo insurance is specifically important for businesses that transport goods. It protects against the loss or damage of cargo while in transit. While not all commercial vehicles may require cargo insurance, it’s essential for those involved in the transport of goods.

Hired and non-owned vehicle insurance protects you when employees use their personal vehicles for business-related activities or when your company uses rented vehicles. It covers liabilities arising from accidents in these vehicles, safeguarding your business against potential claims and financial losses.

Personal vehicle insurance covers personal driving, such as commuting and personal trips. Commercial vehicle insurance, on the other hand, is designed for vehicles used for business purposes. It provides broader coverage to meet the specific needs and risks associated with business operations, including higher liability limits and coverage for goods in transit.

Quality Insurance Coverage from a Trusted Agency

Enjoy peace of mind knowing we’ve got you covered.

(877) 207-7900