Commercial Auto Insurance
Summary of Commercial Vehicle Insurance
This is a type of vehicle that may be used for transporting goods or passengers.
Your business needs commercial auto coverage if you or your employees will use vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto.
Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes or have you pay more in your premiums if you use your personal vehicle for work related things. For example, an outside sales representative who travels would pay more than a person who travels to their work and back.
A commercial auto policy does the same thing as your personal auto policy. It provides coverage to repair or replace a vehicle damaged in an accident and it will pay the claims of any third-party injured in the accident.
Direct Insurances offers several policy options for commercial auto insurance. We have extended riders for additional coverage, specialized coverage for the following businesses:
- Motor Freight Carriers
- Logging Trucks
- Construction Trucks
- Farm and Ranch Vehicles
- Courier Service Insurance
- Tow Truck Insurance
- Dump Truck Insurance