Commercial Auto Insurance
A commercial auto insurance policy helps businesses get appropriate coverage for vehicle-related incidents. At Crawford-Butz & Associates Insurance Agency, we assist companies of all sizes in exploring coverage options that fit their operations and goals.
What Are the Potential Benefits of Commercial Auto Insurance?
A commercial auto policy is structured to help cover the risks associated with driving vehicles during everyday business. Depending on how your business uses its vehicles, coverage may include the following:
- Access to higher liability limits than most personal policies offer
- Coverage for multiple drivers or rotating employees
- Availability of add-ons like rental reimbursement, roadside assistance or hired/non-owned vehicle coverage
- Help meeting contractual or lease requirements for specific jobs, clients or properties
In short, commercial auto insurance offers flexibility for work-specific risks that a personal auto plan likely doesn’t address.
How Does Commercial Auto Insurance Work?
Once a policy is in place, your business pays a monthly or annual premium based on factors like vehicle type, usage, driver history and location. If an incident occurs, a claim can be filed through your provider with coverage limits and deductibles applying based on the event.
Policies can often be structured to include:
- Liability coverage for third-party injuries or property damage
- Collision and comprehensive coverage for your company’s vehicle damage
- Uninsured/underinsured motorist coverage for accidents caused by drivers without sufficient insurance
Contact our St. Louis, MO office today to request a commercial auto quote or review your current business vehicle policy with a Crawford-Butz & Associates Insurance Agency agent