Commercial Auto Coverage

Do you have a snow plowing business? Or does your business deliver food or other supplies? If your staff members are getting behind the wheel, auto insurance for commercial vehicles is essential for protecting your business from the unexpected costs associated with property damage, liability claims, and vehicle repairs. Whether you own a fleet of trucks or a single company car, our comprehensive coverage options are designed to safeguard your business vehicles, drivers, and cargo from a range of risks. At Forward Insurance, we offer flexible policies tailored to fit your business needs, giving you confidence on the road.

Features of commercial auto insurance coverage:

• Liability insurance: Protects your business from financial loss if your vehicles cause injury or property damage to others.
• Collision coverage: Covers repair or replacement costs for your vehicles if damaged in an accident, collision, or due to other covered events.
• Medical payments coverage: Provides medical expenses for the driver and passengers injured in a company vehicle, regardless of fault.
• Uninsured/underinsured motorist coverage: Protects your business vehicles and drivers if involved in an accident with an uninsured or underinsured driver.
• Hired and non-owned auto coverage: Extends coverage to vehicles rented or leased by your business, or personal vehicles used for business purposes.
• Comprehensive coverage: Covers non-collision damage to your vehicles, such as theft, vandalism, fire, or natural disasters.
• Roadside assistance: Offers services like towing, battery jump-starts, and fuel delivery if your commercial vehicle breaks down on the road.
• Custom equipment coverage: Protects specialized equipment or modifications added to your commercial vehicles from damage or theft.

Specialized coverage available:

There’s no one-size-fits-all solution for commercial auto insurance. The type of coverage you need depends on various factors, such as your company’s size, the types of vehicles you use (from delivery vans to dump trucks), and whether you transport hazardous materials. Your policy must also account for state and federal regulations. When meeting with your agent, be sure to share all the key details about how your company uses its vehicles, such as:

• What types of vehicles does your business use, and who owns them?
• Who are the drivers, and how often are the vehicles used?
• Does your business transport people, deliver goods, or provide services?
• Are there any special considerations, such as transporting hazardous materials?

Answering these questions will help you find the best commercial auto insurance policy for your unique needs.

Moving Your Business Forward

Protecting your business with the right commercial auto insurance is crucial for staying prepared against unexpected incidents on the road. Our local team at Forward Insurance is ready to help you explore your options and find the coverage that best suits your needs, ensuring your business stays secure and protected wherever it goes.