What is commercial auto insurance?
Commercial auto insurance can provide liability and physical damage coverage for business vehicles. Any business that owns or leases vehicles or whose employees drive personal vehicles for business purposes can benefit from a commercial auto insurance policy. Personal auto policies most likely will not cover vehicles for business use.
Why do I need commercial auto insurance?
If your business uses any company vehicles for operations, you most likely need commercial auto insurance. Commercial auto insurance can protect company cars, trucks, vans, and specialty vehicles. It can also cover employees who use personal vehicles for business.
How much does it cost?
Many factors affect the price of a commercial auto policy, including location, number of vehicles, and risk you face. Get a free commercial auto insurance quote!
What does commercial auto insurance cover?
At Acuity, we believe protecting your business is a partnership. Our commercial auto insurance focuses on helping to protect your business assets, including:
- Liability coverage protects against damage caused by your vehicle to other vehicles, property, or people.
- Bodily injury coverage protects the insured when their vehicle causes injury to others.
- Property damage coverage protects the insured when their vehicle causes damage to someone else’s vehicle or property.
- Physical damage coverage protects against damage caused to your vehicle.
- Collision coverage protects against collisions or overturned vehicles.
- Comprehensive coverage provides coverage for non-collision-related damage. A few examples include fire, vandalism, hail, or collision with an animal like a deer.
- Medical payments coverage pays for medical expenses if you or someone in your car is hurt in an accident.
- Personal injury protection (PIP), like medical payments, pays for medical expenses if you or someone in your car is hurt in an accident. PIP also covers additional accident related expenses like lost wages or childcare. (Not available in all states.)
- Uninsured and underinsured motorist coverage (UM/UIM) provides bodily injury coverage if you are in an accident with a driver who is uninsured or does not have enough insurance.
Acuity’s optional coverages
Along with the commercial auto insurance coverage Acuity offers several optional coverages to fill common coverage gaps.
- Auto Enhancements
- Coverage for Non-Owned Vehicles that you rent or borrow
- Towing and Labor
- Business Income and Extra Expense
What does it not cover?
While commercial auto insurance provides broad protection for your primary business location, there are a few areas where another Acuity coverage will be needed.
Workers's Compensation provides benefits to employees who suffer work-related injuries or illnesses. Acuity offers workers’ compensation insurance to ensure your employees can get back to work.
Inland Marine helps if your business has property that is in transit or stored away from your main location. Examples include contractor's iequipment, tools, inventory in transit, or property used in construction. .
Business Property protects your company’s physical assets against damage or loss due to various risks. Acuity can help protect your building and contents with our business property insurance.
Crime and Fidelity protects your company from financial losses due to dishonest acts by employees or other trusted individuals. Acuity offers crime and fidelity coverage to protect your business from these crimes.
Acuity’s commercial auto enhancements
Acuity offers enhancements for commercial auto policies that allow you to customize your policy for your business. Enhancements can include coverage for airbag replacement after an accidental discharge or a temporary substitute vehicle due to physical damage coverage. To view the complete list of Enhancements, click the link below.
Commercial Auto Built-in Features & Enhancements.
Free OSHA 10-hour training
Offered at no cost to our insureds, OSHA training is available throughout our operating territory if you have 15 or more people to train. You and your employees can learn how to prevent, recognize, and control various safety and health hazards.
Who needs Commercial Auto Insurance?
Retail
Wholesalers and distributors
Services businesses
Restaurants
Auto repair shops
Landlord & rental properties
Acuity’s Businessowners Policy – Bis-Pak®
Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.
Excess Liability
An Acuity excess liability protects you with high limits of insurance and fits on top of the protection you have with your auto, liability, and employers’ liability coverage.
Workers' Compensation
No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.
Equipment Breakdown
Equipment breakdown coverage is no longer simply for your boiler and machinery. Learn about all of the things that Acuity's equipment breakdown can cover.
FAQs
Have questions? We have answers.
Does Acuity insure motor carriers and truckers?
Yes, Acuity loves truckers and motor carriers. Our knowledgeable agents help us understand truckers' needs, and Acuity also writes blogs, newsletters, and other material to help you with all aspects of your trucking business!
Is my employee covered if he or she uses a company vehicle for after-hours personal use?
Yes, as long as the vehicle is identified in your commercial auto policy as one that employees are allowed to use during off-business hours.
I own a small business. Can I just use my personal insurance to cover me while I drive?
Many personal auto policies exclude coverage for business use; however, there are options to add a personal vehicle to a business policy. Make sure your agent knows of your business use to advise you on the right direction to take.
What type of vehicles are covered by commercial auto insurance?
Commercial auto insurance can cover vehicles owned by the business, fleets of vehicles, your own car, and those you rent, lease, or borrow, including:
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Private passenger cars, SUVs, and vans
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Trucks and vans used in the insured’s business
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Semi-trucks and trailers
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