Commercial Auto Insurance
As a business owner, you need the same kinds of insurance coverages for vehicles used in your business as you do for personal travel — liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.
If the vehicle is owned by the business, make sure the business name appears on the policy as the principal insured. Baer Insurance Services in Middleton, Wisconsin can help you get the right commercial auto coverage.
The professionals at Baer Insurance Services in Middleton, Wisconsin will make sure your commercial vehicles are properly covered.
Commercial auto insurance covers vehicles your business owns, leases, or uses for work. Personal auto policies usually exclude business use, so most companies that drive for work need a separate commercial policy.
Liability Coverage
Pays for injuries and property damage your business vehicles cause to others. Vehicles registered to a business must carry at least your state’s minimum liability limits.
Physical Damage Coverage
Collision and comprehensive coverage pay to repair or replace your business vehicles after an accident, theft, vandalism, or weather damage.
Hired and Non-Owned Auto Coverage
Extends liability protection to vehicles your business rents and to employees’ personal vehicles used for business errands.
What is commercial auto insurance?
It is coverage for vehicles used in your business, protecting against liability for accidents and against physical damage to the vehicles themselves.
Does my personal auto policy cover business use?
Usually not. Personal auto policies often limit or exclude business use, so a commercial auto policy is needed for vehicles used for work.
Is commercial auto insurance required?
Vehicles registered to a business must carry at least your state’s minimum liability coverage, the same limits required for personal vehicles.
What is hired and non-owned auto coverage?
It extends your liability coverage to vehicles your business rents and to employees’ own vehicles when they are driven for business purposes.
Why buy commercial auto insurance through an independent agent?
As an independent agency, Baer Insurance Services represents many carriers, so we can compare coverage and price for your fleet and how it is used, with personal, local service.
Commercial Auto Insurance — Coverages Can Include:
-
Bodily injury liability -
Property damage liability -
Collision coverage -
Comprehensive coverage -
Medical payments -
Uninsured motorist coverage -
Hired & non-owned auto -
Fleet coverage programs
Contact Baer Insurance Services in Middleton, Wisconsin to discuss commercial auto insurance for your business vehicles.