Commercial Auto Insurance | Truck Insurance | Business Auto Policies

Commercial vehicles come in all shapes and sizes, below is short list of some of the most common ones.

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Here is a small sampling of the most insured vehicles that we have covered with Commercial Auto Insurance or Commercial Truck Insurance.

Commercial Registered Passenger cars| Auto Haulers| Passenger bus| Mini vans| Agricultural trucks| Box or Straight trucks| Cargo vans| Car carriers| Flatbed trucks| Catering trucks| Cement mixers| Delivery vans| Hearses| Ice cream trucks| Passenger vans| Pickup trucks| Fuel Haulers| Sport utility vehicles| Pump trucks| Semi’s – Tractor Trailers| Step vans| Tank trucks| Tow Trucks| Tractor Trailers| Refrigerated trucks| Non Emergency Medical Transport| NEMT | Wheelchair buses| Charter Buses and many more types.

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A Variety of Vehicles

From small delivery vans to auto haulers with a pickup to high risk big rig tractor-trailers, we insure a wide variety of business vehicles, including, but not limited too:

  • Passenger Vehicles including buses
  • Vans, Pickups and SUVs
  • Flatbeds and Stake Trucks
  • Box Trucks – Straight Trucks
  • Refrigerator and Utility Trucks
Commercial Auto Insurance Coverage’s.
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. Just like you need auto insurance for your own car, you need business or commercial auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business’s car, you may be liable for bodily injuries, lost wages or any damage caused.
Typical commercial auto insurance coverage’s includes:
Bodily Injury Liability – Coverage for damages that involve any form of bodily injury to others for which you become responsible under law.
Property Damage Liability – Coverage for damage to property of others for which you become responsible under law.
Medical Payments – Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
Other coverage that may be obtained include:
Comprehensive – Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Collision – Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense – Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.
Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage – Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured’s business.
Employer’s Non-Ownership Liability – Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.

Automotive Industries

Air-conditioning service, checking, charging, installation and repair
General repair – without gas sales
Auto parts-(non-critical)
Glass installation
Auto Quick Lube
Oil change and lubrication
Auto Repair and Service
Painting and pin-striping
Body repair and collision shops
Rustproofing, undercoating, glazing
Brake installation and repair, shocks and struts, exhaust systems
Sound and communications equipment repair and installation
Car Wash – other than self service
Transmission repair and installation
Detail shops, pin-striping, auto waxing and buffing
Tune-up and emissions testing
Electrical repair and installation, including speedometer installation
Upholstery, tops and sunroof repair and installation

Contractors Industry

Air Conditioning Equipment Install Service Repair
Janitorial Services – Residential or Commercial
Brick, stone
Janitorial Services – Residential or Commercial
Building maintenance
Landscape Gardening
Carpet and floor covering installation
Lawn Care
Driveway, Parking Are or Sidewalk – Paving or Repaving
Masonry Contractor
Dry Wall or Wallboard Installation
Painting – exterior
Electrical Work within Buildings
Painting – interior and paperhanging
Excavation
Plastering or stucco – outside
Handyperson
Septic tank installation, service, repair
Heating and A/C Installation, Service, and Repair – HVAC
Sheet metal work
Industrial or commercial construction
Siding Installation
Iron works – Decorative or Artistic Only
Sign painting and lettering
Irrigation or drainage systems construction
Tile, Stone, Marble, Mosaic Work – Interior Only

Manufacturing Industries

Air Conditioning Equipment MFG
Furniture MFG or Assembly
Appliance and Accessories MFG
Gemstone Polishing or Cutting
Beverage Bottler
Glass or Glassware MFG
Billiard Table MFG
Instrument MFG-Analytical,Calibrating,Measuring,Testing,Recording
Bolt Nut Screw Rivet Washer MFG
Jewelry MFG
Bottle and Jar MFG
Lubricants MFG
Box or Container MFG
Machine Shops
Brick MFG
Manufacturers Rep
Brush or Broom MFG
Match MFG
Buttons or Fasteners MFG
Mattress or Bo Spring MFG
Can MFG Metal
Metal Goods MFG
Candle MFG
Metal Goods MFG – Stamping
Candy or Confectionary Products MFG
Metal Heat Processing
Caulking Compound, Putty or Similar Products MFG
Musical Instrument MFG
Clock MFG
Office Machine MFG
Coffin or Casket MFG
Optical Goods MFG
Communication or Recording Systems Equipment MFG
Others (including manufacturing and processing)
Composition Goods MFG – Not Floor Coverings
Paper Goods MFG
Computer MFG
Pet Food MFG
Computer Software MFG
Pipe or Tube MFG
Concrete – Mixed In transit
Plastic or Rubber Goods MFG
Concrete or Plaster Products MFG – Not Structural
Plumbing Fixtures MFG
Cutlery and Flatware MFG
Prefabricated Building MFG
Dairy Products MFG
Pumps or Compressors MFG
Die Casting MFG
Refrigeration Equipment MFG
Door or Window MFG
Rubber Stamp MFG
Electrical Equipment MFG
Shoe, Boot, or Slipper MFG
Electrical Parts, Components or Accessories MFG
Sign MFG
Electrical Wire or Cable MFG
Telecommunications Equipment MFG
Electronic Games MFG
Textile Products MFG
Eye Glass Lens MFG
Vending Machine MFG
Food Products MFG
Wicker, Willow or Twisted Fiber Products MFG
Convenience store – selling gas
Music or Musical Instrument Stores
Cosmetics, toiletries
Musical instruments – other than pianos and organs
Costume / Formal Wear Rental Stores
Musical instruments – pianos, organs
Craft, Hobby and Artist Supplies Stores
Newspaper and magazine stands
Crafts
Newsstand
Curtains, draperies
Nursery-Garden
Dance supplies
Office equipment
Department stores – no cooking
Office furniture
Discount stores
Office machines
Drugstore retail
Office supplies
Dry goods stores
Optical goods
Education and school supplies
Optical Goods Store
Electrical apparatus, appliance, parts
Paint, wallpaper, tile
Electrical supplies
Painting and Picture / Frame Stores
Equipment, fixtures, supplies for restaurants
Paper and paper products
Fabrics
Party Goods Stores
Flag and banner stores
Party supply stores
Floor Covering Store Retail
Pet store
Florists
Pet Stores
Frame shops
Photography – commercial
Furniture – except patio
Photography – portrait, including videotaping
Furniture – patio
Plumbing and heating supplies
Furniture Store Retail
Plumbing, fixtures, supplies
General stores
Power washers
Gift, novelty, souvenir shops
Records, tapes, compact discs
Glass
Refrigeration equipment supplies
Grocery Store
Religious articles
Hardware
Sales or Service Organization
Hardware Stores
Sewing machines
Health or Natural Foods Store
Shoe Store
Hearing Aid Stores
Shoe Stores
Hobby and Artist Supply Store
Shoes
Home improvement stores
Sign stores
Housewares Stores
Specialty Clothing and Accessories Stores
Industrial supplies
Sporting Goods Stores
Kiosks – non-food
Sporting goods, bait and tackle, no firearms or skis
Kitchen accessories, including cutlery
Sunglasses shops
Lamps, lighting fixtures
Supermarket
Lawn, garden outdoor fixtures
Ticket sales
Leather goods
Tie shops
Lingerie, hosiery
Tile stores
Luggage and leather goods stores
Toy Store
Luggage stores
Trophy Stores
Meat, Fish, Poultry, Seafood Stores
Tuxedo rentals
Medical, Hospital and Surgical Supply Stores
Uniform stores
Mirror and home decorations
Vacuum cleaner sales and serviced with central installation
Misc. retail stores
Variety stores
Monuments
Vending Machine Operations
Warehouses
Video store
Wig shops
Video Stores
Yarn shop

Professional Services

Accountants
Media buyers
Actuarial Services
Mortgage brokers
Architectural Consulting Services
Notaries – public
Bookkeeping offices
Photographers
Claims adjusters – independent
Professional or Trade Association
Consultants
Public Relations
Consultants – NOC
Real Estate Agents
Engineers / Architects
Real Estate Agents
Engineers or Architects – Consulting
Real Estate Property Managed
Financial planners
Stockbrokers
Inspection and Appraisal Company
Tax Return Preparation Services
Insurance agents
Title Agents
Lawyers
Veterinarians

Institutional

Church or House of Worship
Museums / Art Galleries
Club – Civic, Service, Social, Country, Golf, Racket Sports, Handball
Owner-occupied religious institutions
Libraries
Tenant-occupied religious institutions
Museums

 

The commercial truck insurance coverage/s you need may include:

•Commercial truck liability insurance: Covers your liability risks in the event that you or one of your employed drivers causes an accident. Your commercial truck liability will include bodily injury liability to cover the costs of injuries and medical expenses for the injured party, and property damage liability to cover the costs of property damage in an accident. Your commercial truck liability insurance will typically also cover the costs of legal defense, whether or not your company is found to be at fault in an accident.

•Optional physical damage coverage: Covers the costs of damage to your vehicle from an accident or other incident. This coverage includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and other than collision causes.

•Uninsured/underinsured motorists coverage(IF REQUIRED IN YOUR STATE): Covers the costs of injuries and damages if you or one of your employees are in an accident where another driver is at fault, but that driver does not have enough coverage to pay for your injuries and property damage.

•Motor Truck Cargo coverage: Covers damage or theft of items your truck is hauling.

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Product ID: businessinsurance

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