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Understanding Commercial Auto Insurance For Your Business

If company vehicles are used for a significant part of your enterprise’s operations, you likely understand the value of commercial auto insurance. Commercial auto insurance provides a level of protection to business vehicles, protecting your (and others’) property, as well as drivers, pedestrians, and other potential damage sites.

But commercial auto insurance is important not just for company vehicles. A commercial auto policy can also be useful to cover employees who use their own vehicles for work relevant to your business — or potentially for volunteers who are assisting with some type of organizational work.

Read on to learn a little more about commercial auto coverage.

What Does Commercial Auto Insurance Cover?

Speaking to an experienced insurer can help thoroughly assess your needs and determine what level of coverage is right for you. In general, though, commercial auto insurance will provide protection for some of the following:

  • Property or bodily damage liability coverage
  • Medical payments coverage
  • Comprehensive coverage (for cases other than collisions)
  • Non-owned vehicle coverage

A policy that works for you may have additional levels of coverage. Most importantly, a sound commercial auto policy will ensure you can focus on doing the business that your company needs to do, without excessively worrying about the consequences of an incident on the road.