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If your business relies on vehicles, you need commercial auto insurance. At West Lake Insurance Agency, we understand the unique risks businesses face on the road. We’re here to help you find the right commercial auto insurance policy to protect your fleet, your employees, and your bottom line.
What is Commercial Auto Insurance?
Commercial auto insurance is a type of insurance policy that covers vehicles used for business purposes. It’s designed to protect your company from financial losses due to accidents, theft, or other covered events involving your business vehicles. West Lake Insurance Agency can explain the different policy options available and help you choose the right coverage for your business.
Who Needs Commercial Auto Insurance?
Any business that uses vehicles for any reason needs commercial auto insurance. This includes:
- Businesses that own or lease vehicles for deliveries, transportation, or client visits.
- Construction companies that use trucks and vans for transporting equipment and workers.
- Service businesses that use vehicles for making service calls.
- Businesses that have employees who drive their personal vehicles for business purposes (non-owned auto liability).
Personal auto insurance policies typically do not cover vehicles used for commercial purposes. Driving a vehicle for business without the proper insurance can leave your company exposed to significant financial risks.
What Types of Vehicles are Covered by Commercial Auto Insurance?
Commercial auto insurance policies offered through West Lake Insurance Agency can cover a wide range of vehicles, including:
- Cars
- Vans (cargo vans, passenger vans)
- SUVs
- Buses
- Specialty vehicles (food trucks, construction equipment)
What is Covered Under a Commercial Auto Insurance Policy?
A typical commercial auto insurance policy includes several key coverages:
- Liability Coverage: This covers bodily injury and property damage you or your employees cause to others in an accident involving a company vehicle. It’s often required by law.
- Collision Coverage: This pays for damage to your company’s vehicles, regardless of who is at fault in an accident.
- Comprehensive Coverage: This covers damage to your company’s vehicles from events other than collisions, such as theft, vandalism, fire, and natural disasters.
- Medical Payments/Personal Injury Protection (PIP): This helps cover medical expenses for you and your employees injured in an accident involving a company vehicle, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This protects your company if you’re involved in an accident with a driver who doesn’t have enough insurance or any insurance at all.
- Hired and Non-Owned Auto Liability: This covers your business when employees use their own vehicles for company business, or when your business rents or borrows vehicles.
Why Commercial Auto Insurance Is Important
Commercial auto insurance is essential for protecting your business:
- Financial Protection: It shields your company from potentially large financial losses due to accidents, lawsuits, and other covered events involving your business vehicles.
- Legal Compliance: Most states require businesses to carry commercial auto insurance if they use vehicles for business purposes.
- Employee Protection: It helps ensure your employees are protected if they’re injured in an accident while driving for your company.
Get a Quote from West Lake Insurance Agency
Protect your business and your fleet. Fill out the form below to get a personalized commercial auto insurance quote from West Lake Insurance Agency. We’ll help you find the right coverage at the right price.
Who we are
Insurance agency you can count on.
West Lake Insurance Agency takes the work out of buying commercial insurance for businesses. We help small business owners and operators find quotes for commercial insurance from preferred insurance companies.
General Questions
Business insurance covers your business against property damage or theft and covers you if you’re sued for negligence or if any of your employees are involved in an accident while using business-owned vehicles. It’s important to ensure you have the correct types of policies, at the right levels, for the business activities you routinely undertake.
Business insurance covers the operations and assets of commercial organizations. There are several kinds of business insurance, such as: Commercial auto insurance, Professional liability, Commercial property insurance, Commercial umbrella insurance.
Browse our site or contact us for information about business insurance to learn everything you need to know to protect your business with the right insurance policy.