Commercial Auto Insurance

Commercial/Business Auto Insurance

Protect your vehicles as well as your employees with commercial auto insurance because road conditions, weather and other drivers on the road are simply beyond your control. At Boizelle Insurance Partnership, we know that covering business auto and other commercial vehicles against losses is an important part of your business insurance portfolio. From plumbing trucks to snow plows, catering vans, to stretch limos, Boizelle Insurance provides business auto protection for virtually every type of business – including yours. We will help you sort through the many options and create a policy that fits your specific needs perfectly.

What does my business auto policy include?

Typically, a business auto insurance policy carries the same basic types of coverages that you would carry on your personal vehicle insurance. Though similar, a policy for commercial car, truck, SUV and other business vehicles may differs in many ways, with many possible variations and options, depending upon your business circumstances and needs.  They usually include:

  • Bodily Injury Liability Coverage pays damages due to bodily injury to others for which you are responsible. If you are sued, it also pays your defense and court costs.
  • Property Damage Liability Coverage covers damage that you cause to someone else’s vehicle or property up to the limits of your policy. If you are sued, it also pays your defense and court costs.
  • Personal Injury/Medical Payments Coverage pays for injuries to you and your passengers and can cover lost wages, medical payments, and even funeral expenses, depending upon your policy terms.
  • Collision Coverage pays for damage to your business automobile during an accident according to the terms of your policy.
  • Comprehensive Coverage pays for theft or damage to your car caused by something other than a collision up to the limits of your policy.
  • Uninsured/Underinsured Motorist Coverage pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or whose available limits are less than cost of the damages.

You have many options and variations to consider for your business vehicle coverage. Let the experienced and knowledgeable professionals at the Boizelle Insurance Partnership make the process an easy one.  We’re happy to review your current policy and make suggestions to limit your exposure. Contact us today to discuss your business and specific commercial auto needs.

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