Commercial Vehicle Insurance

Whether you have one vehicle or several, you will need Commercial Vehicle Insurance. Such auto insurance covers any motor vehicle used in your business including cars, vans, trucks, and trailers pulled by trucks, and offers coverage if they are damaged or stolen. It also covers liability if the business vehicle is in an accident and the driver is at fault. This policy is not for truckers or commercial garages. They have special liabilities and must secure special policies that deal with their different needs. Businesses that have a fleet of vehicles will of course have different needs than a business with one or two, and their policies will reflect these differences.

Whether you have one vehicle or several, you will need some sort of Business policy. Such vehicle insurance covers any motor vehicle used in your business including cars, vans, trucks, and trailers pulled by trucks, and offers coverage if they are damaged or stolen. It also covers liability if the business vehicle is in an accident and the driver is at fault. This policy is not for truckers or commercial garages, but we have plans that will cover these as well. They have special liabilities and must secure special policies that deal with their different needs. Businesses that have a fleet of vehicles will of course have different needs than a business with one or two, and their policies will reflect these differences.

Every state has determined that automobile accidents are sufficiently tragic and frequent to warrant government oversight. For example, states require you to drive below specified speed limits and pass a test to obtain a driver’s license. They also require that you prove you are financially responsible for any accident that you cause. Without insurance, most drivers would not be able to guarantee that they can pay for the accidents they cause.

The commercial auto insurance covers almost anyone who uses your vehicles with permission. It also covers anyone liable for the conduct of your use of vehicles. For that reason, any party that would want to be added as an additional insured for the use your vehicles is already covered without the need of an additional insured endorsement.