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Home » Commercial Auto Insurance in Kansas City, MO

Commercial Auto Insurance in Kansas City, MO

What Is Commercial Auto Insurance?black car on road during daytime

Commercial auto insurance is a specialized type of vehicle insurance designed to cover vehicles used for business purposes. Whether you operate a single delivery van, a fleet of trucks or a handful of cars for your sales team, insurance can help protect your business from the financial impact of accidents, theft and other vehicle-related incidents.

How Much Is Commercial Auto Insurance?

Commercial auto coverage costs vary based on several factors, including the type of vehicles you use, the nature of your business and your coverage needs. Here are the primary factors that influence the cost:

  • Chosen coverage: The coverage and limits within your policy can affect its price.
  • Fleet size: More vehicles can mean greater costs.
  • Types of vehicles: Certain vehicles are more expensive to insure.
  • Number of claims: A history of claims can result in higher costs.
  • Type of business: Certain industries may have greater risks than others.

Commercial auto coverage costs can vary widely based on the factors mentioned above. Getting quotes from multiple insurers and working with an experienced insurance agent to tailor a policy that fits your company’s specific needs is advisable.

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.

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Commercial auto insurance is an essential investment for businesses that rely on vehicles for their operations. Contact Safeway Insurance Agency in Kansas City, MO, to learn about your insurance options and get a personalized quote.