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Home » Commercial Auto Insurance

Commercial Auto Insurance

As a responsible business owner, you should protect your company’s vehicles and assets with adequate commercial auto insurance coverage. By exploring various options, you can help protect the financial security of your business.

Reach out to Safeway Insurance in Kansas City, Missouri, today for commercial auto insurance coverage for your business.

Does Personal Auto Insurance Cover Business Use of Vehicles?

Vehicles used for business or personal use must have your state’s minimum auto liability insurance requirements. Vehicles used for business purposes must have commercial auto insurance.

Commercial auto liability insurance may help cover third-party injury or property damage claims after an at-fault accident involving your company vehicle. This coverage pays only up to the policy’s dollar limits. Your company may be liable for damages exceeding your liability coverage limits.

While your personal auto insurance policy coverage may not explicitly exclude business use, accidents that occur while using a personal vehicle for business reasons may not be covered.

To protect both the vehicle owner and your business, your agent may recommend hired or non-owned auto insurance (HNOA) coverage, depending on your circumstances.

What Commercial Auto Insurance Is Needed for Financed Vehicles?

If your company finances vehicles, the lienholder typically requires full coverage insurance, which includes collision and comprehensive policies. They may also require guaranteed asset protection (GAP) insurance.

GAP insurance plays a crucial role in bridging the financial “gap” between the amount owed on a vehicle and the settlement provided by the insurer if the vehicle is a total loss after a covered accident. You may be able to purchase GAP coverage from the dealership where you get your company vehicles, but you may get a more favorable rate through your insurance agent.

How Much Does Commercial Auto Insurance Cost?

Commercial auto insurance premiums are determined by the insurer and depend on various factors related to your business and its assets. These may include the following:

  • The value and type of vehicles being insured
  • Your company’s claims history
  • Your company’s location
  • Policy limits and deductibles
  • Types of commercial auto policies you choose

To get the best possible commercial auto insurance rates, evaluate multiple personalized quotes from reputable insurers.

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Contact Safeway Insurance today to start comparing commercial auto insurance quotes.