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Get in TouchCommercial Auto Insurance
Firms with company vehicles look to purchase Commercial Auto insurance, but other businesses are also exposed to automobile liability risks that need this coverage. That’s right, even those companies without company-owned cars or trucks have business auto exposures. Daniels Insurance Agency is available to review your operation and discuss where you may leave your business open to a liability loss involving an auto accident.
No matter what vehicle your employees use to conduct business on behalf of your firm—their autos, a company vehicle, or a rented car—if they are responsible for an accident while on the job, your company could be held liable for the resulting injuries or damage. For example, you may send your employee to make a delivery in their car, a salesperson may rent a car while on a business trip, or an employee may use their car to grab lunch for the entire office. Commercial Auto Liability insurance for owned and non-owned vehicles is needed to protect your company in these instances.
Under the Hood of Our Coverage Features:
The Commercial Auto policy provides several key coverages, including:
Bodily Injury Liability Coverage:
The policy pays for damages if your business is legally responsible for an accident injuring someone other than passengers in your auto. It also provides for legal defense and court costs if you or your company is sued
Property Damage:
This part of the policy will pay expenses to someone else whose auto or other property is damaged in a covered accident for which your company is responsible.
Medical Payments:
This coverage pays for reasonable expenses for necessary medical and funeral services to you, your employees, or passengers due to an auto accident.
Uninsured/Underinsured Motorists:
Remember that not everyone on the road is as responsible as you or your employees. Some may not carry enough Liability insurance or none at all. That means they may not have the coverage to pay for damages or injuries they cause if they hit you. Uninsured Motorists/Underinsured Motorists insurance will fill that gap.
Non-Collision (Comprehensive) Damage:
By adding Comprehensive coverage, you will be protected if your vehicle is damaged by something other than a collision—for example, a falling tree limb or road debris hitting your auto.
Collision:
This coverage pays for any direct and accidental damage to your commercial vehicle caused by a collision, regardless of fault.
Non-Owned Auto:
This provides your business and you with liability protection for injuries or damages if your employee is involved in an accident and found responsible while using their vehicle to perform company business.
Hired Auto Liability:
This coverage provides your business, employees, and you with Liability protection when you temporarily rent, lease, hire or borrow vehicles for business use.
You can choose other benefits in a commercial auto insurance policy, including coverage for customizations made to your business vehicles and more. Speak with a Daniels Insurance Agency advisor to discover all your options.
Daniels Insurance Agency: Your Trusted Risk Advisor
Founded in 1937, Daniels Insurance Agency has three locations throughout New Mexico and is licensed in every state to serve not only our local region but also clients with a national footprint. As an Assurex Global partner, we are among the world’s most prominent independent agents and brokers. We’re also a member of the Independent Agents & Brokers of America, a national alliance of business owners and their employees who offer a wide range of insurance and financial services products.
Our staff of 42 employees throughout our three locations is ready to provide you with the white-glove service you should expect from your insurance consultant. In fact, you’ll always reach someone at Daniels Insurance Agency. You can depend on that.
Give us a call at 800-530 8885 to find out how we can work together.
