COMMERCIAL AUTO INSURANCE 
At MaxInsurance Agency, our skilled agents are here to assist you in securing the optimal coverage for your business needs.
Commercial Auto Insurance provides coverage for physical damage and liability for vehicles that are not covered by a personal auto policy, including those used for business purposes. This type of insurance, also known as commercial car insurance, truck insurance, or fleet insurance, applies to various types of vehicles and covers a wide range of amounts, situations, and usage scenarios.
In general, if a vehicle is used for tasks related to the operator’s occupation, profession, or business, other than commuting, a commercial auto insurance policy is necessary.
You may require a commercial auto policy if you use your vehicle to transport goods or people for a fee, or if you use it to provide services. A commercial auto insurance policy may also be suitable if you need higher liability limits due to the nature of your work. If you haul heavy tools or equipment, or if you tow a trailer for business purposes, a commercial auto insurance policy may be necessary.
Additionally, if your employees operate the vehicle, or if the ownership is in the name of a corporation or partnership, a commercial insurance policy may be required.
Commercial auto insurance, similar to personal auto insurance, offers coverage options such as liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorists coverage for businesses.
However, there are distinctions between a commercial auto insurance policy and a personal auto policy, including variances in eligibility, definitions, coverages, exclusions, and limits.
Typically, commercial auto policies are “named driver only” policies, restricting the operation of a covered vehicle to only those drivers listed on the policy.
Get personalized insurance coverage for both personal and commercial needs from MaxInsurance, your reliable insurance provider. Contact us now to receive a customized quote.
Provides coverage for bodily injury or death resulting from an accident where you are deemed at fault, and also includes legal defence in commercial auto insurance.
Liability policies usually provide distinct limits for bodily injury and property damage claims. However, a combined single-limits policy offers the same coverage amount for both bodily injury and property damage, regardless of the number of people involved, in commercial auto insurance.
Covers your injuries and, in certain situations, specific property damage resulting from an uninsured or hit-and-run driver in commercial auto insurance. Underinsured motorist coverage may also be included to protect against insufficient insurance by the at-fault driver.
Covers the cost of repairing damages to your vehicle when it collides with or is struck by another object in commercial auto insurance.
Offers protection in the event that your vehicle causes unintentional damage to someone else’s property in commercial auto insurance. It also includes legal defense coverage.
Typically covers the medical expenses of the driver and passengers in your vehicle resulting from a covered accident, regardless of fault, in commercial auto insurance.
Covers the cost of repairing or replacing your vehicle due to theft, vandalism, flood, fire, and other covered perils in commercial auto insurance.
Navigating the various options in commercial auto insurance can be overwhelming. Let our experienced agents at MaxInsurance assist you in finding the right coverage for your commercial vehicles. Contact us today for a quote and personalized assistance.
We offer both personal and commercial policies and opportunities to bundle for great savings!
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