COMMERCIAL, FLEET & AUTO INSURANCE FOR BUSINESSES

We understand the importance of ensuring your team can drive with confidence, knowing that both individual drivers and corporate fleets are properly insured. That’s why we collaborate with you to customize a business automobile policy (BAP) that fits your vehicles and budget. Our solutions include:

• Comprehensive options for business-owned vehicles
• Non-owned and hired auto liability insurance
• Customized policies tailored to specific business needs
• Coverage for both individual vehicles and entire fleets
• Information on how to protect drivers and the company

• Details on policy limits and deductibles
• Competitive pricing and premium information
• Simplified claims process and support details
• Risk management and loss prevention strategies
• Expert guidance on selecting the right coverage

COMMERCIAL, FLEET & AUTO INSURANCE FOR BUSINESSES

PERSONAL, COMMERCIAL, FLEET & BUSINESS AUTO INSURANCE—WHAT’S THE DIFFERENCE?

We curate policies for a variety of clients seeking personalized professional coverage nationwide. And while auto insurance comes in several different packages, here’s a basic summary of each option:

• Business Auto Insurance: Suited for smaller businesses or individual employees, this solution covers company-owned and personal vehicles used for business purposes.
• Corporate Car Insurance: More comprehensive coverage designed for larger businesses with multiple vehicles or specialized needs.
• Fleet Insurance: Provides coverage for all vehicles under a single policy, offering streamlined management and potential cost savings.
• Personal Auto Insurance: Covers vehicles used primarily for personal activities and typically excludes business use beyond commuting to work.

We’re here to help you navigate each option to find the perfect coverage for your business needs. Simply contact us to discover which option is right for you.

WHAT INFLUENCES THE COST OF MY BUSINESS AUTO INSURANCE?

We aim to find the best business auto insurance at the right rates without compromising coverage. 

Generally, the following factors affect premiums and rates:

• The number and types of vehicles
• Your employees’ driving records
• The nature of your business and vehicle use
• Coverage limits and deductibles
• Company claims history

WHAT’S THE DIFFERENCE BETWEEN COMPREHENSIVE & COLLISION COVERAGE FOR A BUSINESS AUTO POLICY?

Collision coverage may pay for damage to your vehicle from accidents with other vehicles or objects, regardless of fault. Conversely, comprehensive coverage may reimburse you for non-collision incidents like theft, vandalism, fire, or natural disasters.

HOW DOES NON-OWNED AUTO LIABILITY COVERAGE PROTECT MY BUSINESS?

Non-owned auto liability plans are vital for businesses with employees who use their cars for professional purposes. Here’s how non-owned auto liability insurance protects your business:

• Coverage begins after the employee’s personal auto insurance limits become exhausted
• Protects your company from lawsuits resulting from accidents during business-related driving
• Covers volunteers, in addition to employees, when they drive their vehicles on behalf of your business
• Supports your company by insuring specific risks unique to your operations

HOW DO I FIND THE BEST RATE FOR BUSINESS AUTO INSURANCE?

Finding the best rate for business auto insurance involves more than just comparing quotes—it takes a team offering national support. 

We’ll help you evaluate your specific risks and coverage requirements based on your company and its employees. We’ll also assess opportunities to bundle policies, reassess coverage annually, leverage our relationships, and adjust deductibles to reduce premiums and costs without compromising benefits. 

Contact us today to receive a custom quote, and we’ll get to work securing you the best options at the lowest rates.