Commercial auto insurance - Next Insurance

Commercial Auto Insurance

Business vehicle insurance designed to meet your needs

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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

Do I need commercial auto insurance?

Perhaps you already have a personal auto insurance policy. Nice. But it probably won’t cover accidents that happen while you are driving for your business.

If you use your vehicle for work, you may need a business auto insurance policy if you:

  • Deliver any goods, including pizza, flowers, or other products
  • Provide a service that involves regularly using a vehicle
  • Carry equipment you use for work, such as cleaning or landscaping tools
  • Go to job sites

Why is commercial auto insurance important?

Whether your vehicle is essential for your daily operations or something you only occasionally use for work, you need an auto insurance policy customized for your business.

 

You may be required by law to have commercial auto insurance

Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage. The most common state requirements are liability insurance for injuries and property damage.

Some states also require uninsured/underinsured motorists coverage and medical payments coverage (also known as personal injury protection).

The types of vehicles your business is using, how they are being used and who is using them will determine the specifics of what kind of insurance you need.

 

Business car insurance can provide more coverage

If you’re like most business owners, the separation between work and home is probably blurred. That should never be the case with your personal auto and business auto insurance.

Even if you only have one car for all your transportation needs, you’re exposed to different risks when you drive for business than you are when you drive personal reasons. You may need the more extensive coverage that is provided in a commercial auto policy.

If you have employees that operate your cars, your commercial auto insurance policy can also cover them up to the limits of the policy.

 

Commercial auto insurance can help you attract customers

Commercial auto insurance is essential for your customers, too. Having the right car insurance demonstrates that your business is prepared for the unexpected. You know that things don’t always go exactly to plan, but your customers can be confident they’ll receive the same reliable service.

Some customers might require you to have a certificate of insurance before they agree to work with you.

What does commercial auto insurance cover?

Cookie-cutter commercial auto insurance coverage is just about as ridiculous as it sounds. You have specific needs unique to your business, and your car insurance should be customized to the risk you face while driving. Policies typically cover:

 

Injuries

The bodily injury section of your commercial auto policy covers physical injury to someone who is not in your vehicle up to your policy limit. If you or an employee gets into a car accident while on the job and someone is injured, you or your business want to be protected.

If you have commercial auto insurance, your policy can cover legal fees, medical bills, recovery time, and more, within your coverage limit.

 

Property damage

If your business vehicle damages someone’s personal property, your insurance can pay for repairs or a replacement up to your policy limit.

Depending on your policy, coverage can include legal fees and other expenses you never saw coming, like that fancy mailbox you clipped with your side-view mirror.

 

Personal injury

In this case, “personal injury” refers to you and your employees. If you, an employee or other occupants of your vehicles are injured in an accident, your commercial auto policy can cover the related expenses up to your policy limit.

 

Collision coverage

You rely on your vehicles to work, so it’s crucial for your business that your auto insurance covers collisions. Your commercial auto insurance can pay for repairs or replacement vehicles if your car or truck is involved in a crash.

The right commercial car insurance can pay for a speedy repair or replacement, up to the actual cash value of your vehicle at the time loss, so you don’t have to lose another day on the job.

 

Comprehensive coverage

Comprehensive commercial auto insurance coverage could help you repair or replace your vehicle after a theft, vandalism, or weather-related damage.

While you can prevent a lot of mishaps by being careful and cautious, there are some that you just can’t anticipate — like a tree in the office parking lot falling on your car or a break-in outside your yoga studio.

Just be sure to read your policy details carefully to find out exactly what your commercial auto insurance does and doesn’t cover.

 

Underinsured motorists

Another driver hits you and totals your truck. It gets worse. They don’t have enough coverage to replace it and cover your medical bills. Your commercial auto policy with Next Insurance covers uninsured or underinsured motorists up to your policy limit.

 

Rental reimbursement

Your car is in the shop after an accident. Your commercial auto insurance covers your rental for up to $100 per day up to your rental reimbursement limit if you purchase our “pro” or “pro plus” package.

 

Towing and labor reimbursement

While on the way to a worksite, your vehicle overheats and it needs to be towed to a shop. Your commercial auto policy will reimburse towing expenses up to $200.

Accident liability

You cause an accident that totals a $50,000 car and injures the driver and passenger.

Rental reimbursement

Your car is in the shop after an accident. You rent a car for 15 days, at a cost of $75 per day.

Underinsured motorists

Another driver hits you and totals your truck. They don’t have enough coverage to replace it and cover your medical bills.

Towing and labor reimbursement

Your vehicle overheats and needs to be towed to a shop, leaving you with a $200 towing bill.

Your Commercial Auto Insurance Options

Basic

Bodily injury and property damage

$50,000 limit
$0 deductible

Comprehensive and collision

Not included

Medical payments

$5,000 limit
$0 deductible

Uninsured and underinsured motorist bodily injury

$50,000 limit
$0 deductible

Pro

Bodily injury and property damage

$100,000 limit
$0 deductible

Comprehensive and collision

Actual cash value
$500 deductible

Medical payments

$5,000 limit
$0 deductible

Uninsured and underinsured motorist bodily injury

$100,000 limit
$0 deductible

Pro Plus

Bodily Injury and property damage

$1,000,000 limit
$0 deductible

Comprehensive and collision

Actual cash value
$500 deductible

Medical payments

$5,000 limit
$0 deductible

Uninsured and underinsured motorist bodily injury

$1,000,000 limit
$0 deductible

What isn’t covered by commercial auto insurance?

Next Insurance commercial auto policies don’t cover:

  • Passenger transportation businesses (a.k.a. livery of passengers), such as taxis, limo, Uber and Lyft. Note: We do cover app-based food delivery services.
  • Vehicles with more than two axles
  • Drivers under 18 years of age
  • Food trucks

Also, every insurance policy, regardless of where you purchase it, has exclusions — that’s insurance talk for incidents that won’t be covered.

You don’t want to be surprised by what your commercial auto insurance doesn’t cover. Review the particulars of your coverage before an accident happens to make sure you have the right insurance for your needs.

 

Ridesharing service use (food delivery is covered)

Ridesharing service use (food delivery is covered)

Vehicles with more than 2 axles

Vehicles with more than 2 axles

Drivers under 18 years old

Drivers under 18 years old

Food trucks

Food trucks

This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.

How much does commercial auto insurance cost?

You’ve probably noticed a wide variety of quotes if you’ve been looking around at auto insurance options. Auto insurance for your business can easily range from $750 to $3,000 per year.

The best way to find out how much a policy will cost for your business is to get a free commercial auto insurance quote online. You’ll just need to answer a few questions to get your quote in under 10 minutes with us.

Common factors that influence the price of a policy include your claims and insurance history, the number of cars your business is insuring, the vehicle type, and how you plan to use the vehicle.

We offer monthly payment options that can be cancelled at any time with no additional fees. Our online claims filing service is accessible whenever and wherever you need it, with support from our licensed insurance advisors.

Start your free instant quote online today.

FAQ

Can I buy commercial auto insurance by itself?
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Yes. You can buy commercial auto by itself, but we recommend buying liability insurance along with your commercial auto insurance. General liability insurance can protect your business from certain costs including medical expenses, legal costs, and more. When you buy both policies together, you also get a discount on them.
Can I combine a commercial auto policy with my existing Next Insurance liability policy?
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Yes. In order to do that, please call us at 1-855-222-5919 or email us at support@nextinsurance.com.
I use my personal vehicle for my business. Can I insure it with this policy?
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If you use your personal vehicle for business purposes, we can insure it under our commercial auto policy. It’s important to note that certain high-end vehicles, and vehicles larger than standard trucks or SUVs will be excluded from this type of coverage.
In the event of a claim, how is the value of my vehicle determined?
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In the case of a claim on your commercial auto policy, the value of your vehicle will be based on the actual cost value (ACV) or the cost of repair at the time of the incident. However, if you have a vehicle loan, there may be coverage for the difference between the remaining balance of the loan and the ACV of the vehicle.
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