What does commercial auto insurance cover?
Commercial auto insurance, also known as business auto insurance, is available for any business owner, large or small. Whether your company utilizes a fleet of trucks or your own personal car, commercial auto insurance will protect you, your employees and your property. To understand what commercial auto insurance will cover; we break down the different commercial auto insurance coverage options.
Commercial Automobile Liability:
- Liability of the insured for Bodily Injury
If you or an employee gets into an accident and causes bodily injury to the other party, your business can be responsible; therefore making your company susceptible to being sued and undergoing defense and court costs. Liability of the insured for bodily injury will cover these costs, including damages to that injured party and protecting you in case your company is sued.
- Property Damage Liability Coverage
Much like liability of the insured for bodily injury, property damage liability coverage covers the damages to property for which you or your employee are responsible. It also can protect your company if you are sued, including defense and court costs.
- Medical Payments Coverage/Personal Injury Insurance
Medical Payments Coverage or Personal Injury Insurance generally covers medical expenses for you, your passengers, and employees at the time of accident, despite who is at-fault. This includes doctor visits, hospital visits or stays, surgery, x-rays, EMT & ambulance fees and prostheses.
- Non-owned & Hired Auto
If your employee gets into an accident when picking up lunch, office supplies or any other type of business-related activities, non-owned and hired auto insurance will cover property damage or bodily image If that employee gets into an accident. Additionally, if you rent a car for business or pick up a client in a car, this insurance will also cover damages.
Commercial Auto Physical Damage
- Comprehensive Coverage Insurance
Comprehensive coverage provides protection for your vehicle outside of an auto accident. This includes theft, vandalism, fire, natural disasters, falling objects and damage done to your car by an animal.
- Collision Coverage Insurance
Collision coverage fixes and repairs your business vehicle(s) if in an accident. Collision coverage can also help if someone or something else hits your business vehicle(s) while the car is parked.
There are a lot of different coverage options for your company, at Pettineo Insurance Agency in Lauderdale by the Sea, it is our job to provide you with the option that best fits your needs.
To learn more about commercial auto insurance, visit our website at http://pettineoinsurance.com/commercial_auto_insurance.html.
We also can provide a free quote for commercial auto insurance: http://pettineoinsurance.com/quote.html
Pettineo Insurance Agency Inc provides commercial automobile liability insurance and commercial auto physical damage insurance in Fort Lauderdale, Lauderdale-By-The Sea, Pompano Beach, Oakland Park, Boca Raton, Hollywood, Coral Springs, Tamarac, Sunrise, Hollywood, and all of South Florida.
