Coverage to protect your business cars, trucks and other vehicles.
Business auto insurance in Southwestern OH including Dayton, Xenia, Jamestown and Beavercreek.
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that’s often a must if you lease or finance commercial vehicles.
Which business insurance is right for your company?
Explore how having the right business insurance can protect your company from the unexpected.
Liability Coverage
Protects you from legal exposures and risks resulting from a covered accident.
Bodily Injury Liability Coverage
Can ease the financial burden of bodily harm or death resulting from an at-fault accident. It also typically includes coverage for legal costs.
Property Damage Liability Coverage
Protects you if your vehicle unintentionally causes damage to someone else's property.
Medical Payments Coverage
Helps pay for medical expenses for you and your vehicle's passengers following a covered accident, regardless of who is at fault.
Uninsured Motorist Coverage
Protects you from injuries and covered property damage caused by an uninsured or a hit-and-run driver. It sometimes includes underinsured motorist coverage for scenarios when the at-fault driver's insurance is inadequate.
Comprehensive Physical Damage Coverage
Compensates for the damage to your vehicle from theft, vandalism, flood, fire, and other covered non-collision risks.
Collision Coverage
Pays for damage to your vehicle in case of a collision with another object.
It’s also worth considering employers non-owned car liability coverage. Employers non-owned car liability coverage is an add-on or a separate policy covering those instances when your staff use their own personal cars or trucks as part of their work for your business. This type of protection can help reduce the risk of messy legal complications if they are injured or their vehicle is damaged during this time.
Commercial car insurance is essential for those that run a business, but obtaining the proper coverages can get confusing. We can help!
Business Auto Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
