What Does a Standard Commercial Auto Policy Cover?

A standard commercial auto insurance policy is designed to cover your business from the financial impact of accidents, property damage and liability claims involving your company vehicles. Here are the main coverage areas you’ll find in most business auto policies:

Liability Coverage
This is the foundation of any commercial auto insurance policy. Liability coverage helps pay for bodily injury and property damage you or your employees may cause to others while driving a business vehicle.

Physical Damage Coverage
This includes both collision and comprehensive coverage. Collision coverage helps repair or replace your vehicle if it’s damaged in an accident, while comprehensive coverage insures against non-collision events such as theft or vandalism.

Uninsured/Underinsured Motorist Coverage
If your business vehicle is hit by a driver who doesn’t have enough insurance, this coverage can help pay for injuries or damages.

Depending on your needs, you may also consider adding coverage for towing, rental reimbursement or specialized equipment attached to your vehicles.

How We Help Businesses

Our team at Primo Tax & Insurance works closely with Texas business owners to assess their risks and recommend commercial auto insurance solutions that fit their operations. We understand state requirements and the unique challenges faced by local businesses, so you can feel confident that your vehicles and business are properly insured.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.