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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:
When you purchase a new policy with Next Insurance, you can upgrade it to include hired and non-owned auto insurance. This coverage provides extra protection when you or an employee use rented vehicles or if an employee sometimes uses a personal vehicle for work. Learn more about HNOA 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:
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.
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.
If you’re like most business owners, the separation between work and home is probably blurred.
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 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.
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:
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.
If your business vehicle damages someone’s personal property, your insurance can pay for repairs or a replacement up to your policy limit.
Coverage includes legal fees and some other expenses you never saw coming, like that fancy mailbox you clipped with your side-view mirror.
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.
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 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.
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.
Your car is in the shop after an accident and you have to rent a car to get around. Your commercial auto insurance covers your rental for up to $100 per day for up to 30 days if you purchase our “pro” or “pro plus” package.
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.
When you purchase hired and non-owned auto (HNOA) coverage with a new commercial auto insurance policy, you get extra protection for rented vehicles and coverage when an employee occasionally uses a personal vehicle for work.
This upgrade can help pay for expenses after an accident if someone other than an employee is injured or someone else’s property is damaged.
You cause an accident that totals a $50,000 car and injures the driver and passenger.
Your car is in the shop after an accident. You rent a car for 15 days, at a cost of $75 per day.
Another driver hits you and totals your truck. They don’t have enough coverage to replace it and cover your medical bills.
Your vehicle overheats and needs to be towed to a shop, leaving you with a $200 towing bill.
Actual cash value
Actual cash value
Next Insurance commercial auto policies don’t cover:
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.
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.
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.