Commercial Auto Insurance in Kansas City, MO

Commercial auto insurance is designed to protect vehicles used for business activities. Whether you own a single vehicle or a fleet, this insurance can provide financial assistance in case of accidents, theft, and other perils.

Who Needs Commercial Auto Insurance?

Commercial auto insurance is crucial for businesses that rely on vehicles for their operations. Unlike personal auto insurance, it offers specialized coverage to protect a company’s investment. This insurance covers various scenarios, including business-owned vehicles, employees using personal cars for work, company-provided cars, rented or hired vehicles, and certain personal vehicles classified as commercial due to their size or weight.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance policies may include various types of coverage to protect your vehicles and drivers in different situations:

Liability insurance can help pay for bodily injuries and damage to property that you or your employees cause to others in an accident.

Collision insurance can cover the cost of repairing or replacing a work vehicle following an accident.

Comprehensive insurance can pay for non-collision-related vehicle damages from incidents such as fires, theft and vandalism.

Medical payments/personal injury protection coverage can pay for medical costs and lost income for you and your passengers following an accident, irrespective of who caused it.

Uninsured/underinsured motorist insurance can help pay for vehicle damage and medical bills following a collision with a driver lacking adequate insurance.

Always check your commercial auto insurance policy to see what it includes, as offerings can vary. Consider endorsements such as roadside assistance, replacement cost vehicle coverage, and gap insurance for additional protection.

How Much Does Commercial Auto Insurance Cost?

Commercial auto insurance prices depend on numerous factors, including the type and number of vehicles, coverage limits, and employees’ driving records. Safeway Insurance can provide a personalized commercial auto insurance quote.