Business Auto
Whether you have a single work truck or a small fleet of delivery vehicles, your commercial auto policy protects you while you’re driving your vehicle for your business and is essential to protect your business from unexpected expenses if you or your employees are involved in an accident.
The clear advantage
CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.
What is commercial auto insurance?
Commercial auto insurance is essential to protect your business from unexpected expenses if you or your employees are involved in an accident.
Whether you have a single work truck or a small fleet of delivery vehicles, your commercial car insurance policy can provide coverage up to your policy limit for:
- Expenses for claims related to emergency care
- Medical bills
- Property damage
- Damage to your vehicle
- Legal fees
- Gap coverage on financed and leased vehicles
What is the difference between commercial and personal auto insurance?
Commercial auto insurance policies are designed for company cars that cover a lot of ground. Policies typically have higher coverage limits to account for the increased risk.
Personal auto insurance policies only cover claims related to personal use, including your commute and travel unrelated to work. They have lower limits and usually cost less.
Does your business need commercial auto insurance?
If your company owns a car, you will very likely need commercial auto insurance. Nearly every state requires commercial auto insurance coverage for business-owned vehicles.
Businesses that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry tools, equipment, or products used for work
- Transport clients or employees
- Rely on delivery drivers or couriers
What coverage options should a commercial auto policy include?
At a minimum, your policy must meet state requirements. Your policy should also be able to cover all costs associated with an accident. Otherwise, you could end up paying legal fees and other expenses out of pocket. Talk with an agent to discover policy options that match your driving situation.
Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.
