Commercial Auto Liability Insurance: Covers bodily injury and property damage to third parties if the business’s driver is at fault in an accident. You can offer this as split limits or a Combined Single Limit (CSL).
Physical Damage Insurance: Covers the business’s own vehicles. This includes:
Collision: Pays to repair or replace a business vehicle after an accident or rollover.
Comprehensive: Covers non-collision damage like theft, vandalism, fire, weather events, and hitting an animal.
Medical Payments & PIP (Personal Injury Protection): Pays for medical expenses, ambulance fees, and sometimes lost wages for the driver and passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist Coverage: Protects the client if their employee or commercial vehicle is struck by a driver who doesn’t carry enough (or any) auto insurance.
Hired & Non-Owned Auto (HNOA) Liability: Essential for businesses where employees use their personal cars for work errands (like picking up supplies or making sales visits), or for companies that frequently rent vehicles.
Motor Truck Cargo Insurance: Essential for logistics and transport businesses; it covers the actual freight, cargo, or commodities being hauled.
Bobtail / Non-Trucking Liability Insurance: Specifically for independent owner-operators who need liability coverage when driving a truck tractor without a trailer attached, or when they are off the clock.
Trailer Interchange Coverage: Protects physical damage to non-owned trailers being pulled under a standard interchange agreement
Have Questions?
We pride ourselves on being true partners with our customers. If you have any questions please call us so we can help.
859-640-2880