Commercial Auto

Explore 360° commercial auto insurance options for business owners and entrepreneurs, ensuring complete protection for your business vehicles!

Commercial Auto Insurance Checklist for Business Owners

When assessing your commercial auto insurance needs, consider these factors that can affect your premiums and essential coverages:

1. Vehicle Type

- Make and model of vehicles used for business.

2. Usage Type

- Personal vs. business use (delivery, transportation, etc.).

3. Mileage

- Average miles driven for business purposes.

4. Driver Information

- Number of employees authorized to drive.

- Driving records of all drivers.

5. Coverage Types

- Liability Insurance: Covers bodily injury and property damage to others.

- Collision Coverage: Pays for damage to your vehicle after an accident.

- Comprehensive Coverage: Covers non-collision-related damage (theft, vandalism).

- Uninsured/Underinsured Motorist Coverage: Protects against accidents with uninsured drivers.

6. Cargo Insurance:

- Coverage for goods being transported.

7. Fleet Insurance

- For businesses with multiple vehicles, consider a fleet policy for better rates and management.

8. Business Interruption Insurance

- Protects against income loss due to vehicle accidents.

9. Safety Features

- Use of GPS tracking, anti-theft devices, and safety training programs.

10. Claims History

- Previous claims related to your commercial vehicles.

11. Discounts

- Available discounts for safe driving, bundling with other policies, or driver training programs.

12. Compliance with Regulations

- Ensure adherence to local and federal transportation regulations.

Use this checklist to evaluate your commercial auto insurance needs and ensure comprehensive protection for your business and employees on the road!