What Does Commercial Auto Insurance Cover?

Commercial Auto Insurance Coverage La Habra CAIs driving your business (or part of it)? Check out what coverage you need.

As a business owner, you want to protect your hard work and employees as well as you can. From employee benefit policies to property insurance, you’ve invested in safeguarding your business and the people who make it run. Whether you own a pizzeria, bakery, or party bus, if you use a vehicle in any aspect of your business, you’ll also need commercial auto insurance. Even if you only make deliveries every other weekend or pick up equipment once a month, if your journey is business-focused your personal auto coverage won’t protect you.

Fortunately, commercial auto insurance protects many facets of your business through the following policies:

  • Bodily Injury Liability – for other drivers’ and passengers’ injuries or death if you’re responsible for the accident.
  • Property Damage Liability – for damages to someone else’s property for which you are responsible.
  • Comprehensive Coverage – for your vehicle if it’s damaged in an event other than an accident (theft, vandalism, a tree branch falling on your vehicle, to name a few!).
  • Collision Coverage – for your vehicle when your car hits or is hit by another vehicle.
  • Uninsured/Underinsured Motorist Coverage – for all of your and your employees’ injuries, damages, and death caused by an at-fault driver with no, or too little, insurance coverage.
  • Medical Payments Coverage – for covering the costs of medical expenses incurred by you and your passengers after an accident.

Beyond these fundamental components, you can customize your business car insurance policy with the following coverages for even more protection:

  • Roadside Assistance
  • New Vehicle Replacement Cost Coverage
  • Expanded Towing
  • Rental Reimbursements

Commercial auto insurance aids in protecting your business and employees from damage and loss. To get started on your tailored coverage in La Habra and surrounding cities in California, contact Martplan Insurance Agency today!