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As the owner of a small to medium sized business with a fleet of automobiles, it is imperative that you carry the appropriate types and amounts of commercial fleet insurance. Businesses like yours that own fleets of vehicles depend heavily on those vehicles. Without them you may not be able to deliver the goods and services your company supplies. Not only would you lose money from the loss in business operations, but if you also had to pay for repairing or replacing one or more of your business autos it could put a severe financial strain on your company.

Protecting your commercial vehicles is an investment in the future of your company. By carrying proper insurance, you can prevent financial strain and hardships like those mentioned above. Here are the most important types of business fleet auto insurance you should carry:

Liability InsuranceLiability insurance is required by law in most states of the nation. This insurance coverage is designed to protect other people from suffering losses if one of your commercial fleet vehicles causes an auto accident. When accidents happen, people can sustain minor or major medical injuries and there can be extensive damage to the other vehicles as well. Liability coverage is designed to pay for the damages and medical expenses of those victims.

Medical Payments Medical payments coverage is important commercial fleet insurance to carry if you’re able to. This insurance is particularly useful for businesses that have multiple people traveling in their vehicle fleet, and those that carry passengers. This coverage pays the medical bills and expenses that arise from an auto accident. Benefits apply to the driver of the vehicle as well as all passengers who are riding in the vehicle at the time of the accident. This is a no fault coverage option, which means it will pay the medical bills regardless of who caused the auto accident. It is not available in all areas however. Call and speak to one of our licensed representatives and we’ll help you determine the availability and feasibility of this coverage for your business fleet auto insurance package.

fleet auto  insurance
business fleet auto insurance

Physical Damage InsurancePhysical damages insurance protects you from loss of or damages to the autos in your fleet directly. If one of your business vehicles is damaged for example, physical damages coverage can pay for the cost of repairing it. This insurance is especially important for business fleets that are leased or still under finance, because it provides you with the most protection available.

Uninsured or Underinsured Motorist - As the owner of a commercial fleet of vehicles, your changes of an auto accident increase just because of the volume of vehicles you have on the road. Despite laws in the United States, not all drivers carry basic liability insurance on their vehicle. Others carry minimal amounts of coverage, which may not be enough to pay for all of the damages they cause. You can protect your business fleet by carrying an uninsured and underinsured motorist policy. When the other driver is at fault but has little to no insurance coverage, your policy will pay for taking care of your drivers and your vehicles.

Other Important Business Fleet Auto Insurance includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

Autos We Insure

Taxi Non Medical Transport 18 Wheeler Trucks Tow Trucks Pick Up Trucks Shuttle Dump Trucks Garbage Trucks Business Vans Box Trucks Straight Trucks Bucket Trucks Cabover Trucks Cargo Vans Flatbed Trucks Refrigerated Trucks Crane Trucks Catering Trucks Ice Cream Trucks Agricultural Trucks Buses Car Carriers (Haulers) Cement Mixers Delivery Vans Hearse Pump Trucks Tank Truck Truck Tractor Wheelchair Bus Ambulance Limousine Wheelchair Vans Taxi Cabs Medical Transportation Semi Trucks Vans Small Business Autos Commercial Fleet Electrician's Auto Plumber's Auto General Contractor's Auto Carpenter's Auto Landscaper's Auto Pool Cleaner's Auto Recycling Center Autos Drywall Installer Autos Garage Door Installer Autos Janitor Autos Painting Contractor Autos Cabinet Maker Autos Roofer Autos Delivery Service Autos Carpet Installer Autos Driving School Autos Carpet Cleaner Autos Tree Trimmer Autos