Commercial auto insurance isn’t just for large fleets.
Any car, truck, van or similar vehicle used as part of your operations needs to be covered. To ensure that you are not overpaying for coverage, we’ll shop your policy with the following carriers:
National Liability & Fire/NICO
Crum & Foster
AIG Truck Group
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It is important to protect your drivers and vehicles through proper insurance coverage.
That’s why many organizations turn to commercial auto insurance, which can provide the following benefits:
Collisions don’t just impact vehicles—they can cause expensive damage to nearby property and valuables. In these instances, commercial auto insurance can provide a range of protection if and when you damage another person’s vehicle or property in an accident.
Physical damage and collision protection
Following an accident, you or your employees may need to pay for vehicle repairs—both for your own vehicle and any vehicles you hit. Commercial auto insurance can reimburse policyholders for the costs of vehicle repairs they may need following a crash, regardless of who is at fault. Many policies even provide coverage for uninsured and underinsured motorists, providing an extra layer of protection.
Medical payment and lawsuit coverage
Collisions often result in bodily harm and expensive medical costs for you and those involved in an accident. Commercial auto insurance policies offer some protection for these expenses and can cover medical costs, lost wages and even legal expenses should a lawsuit be brought against you.
Tips for Insurance Buyers
In 2022, most policyholders are predicted to have a more difficult renewal process because of greater premium rates, lowered capacity and more stringent policy restrictions. Insureds with larger fleets or a poor loss history may experience greater rate increases.
Here are some tips to help mitigate costs:
- Examine your loss control practices relative to your fleet and drivers. Enhance your driver safety programs by implementing or modifying safe driving and distracted driving policies.
- Ensure you hire qualified drivers by using motor vehicle records (MVRs) to vet drivers’ experience and moving violations. Disqualify drivers with an unacceptable driving record. Review drivers’ MVRs regularly.
- Consider technology solutions, such as telematics, where appropriate to strengthen loss control measures.
- Prioritize organizational accident prevention initiatives and establish effective post accident investigation protocols to prevent future collisions on the road.
- Determine whether you should make changes to your commercial auto policies by speaking with your broker