Commercial Auto Insurance: Protect Your Business on the Road
Your vehicles are more than just transportation—they’re a vital part of your business operations. Whether you’re making deliveries, visiting clients, or managing a fleet, accidents or damage can disrupt your work and cost you money. At The Michaels Group, we understand the unique risks businesses face on the road. That’s why we’re here to provide commercial auto insurance that keeps your business moving forward, no matter what happens.
Why Choose The Michaels Group?
- Tailored Coverage: We create custom policies based on the size and scope of your business operations.
- Access to Top Carriers: Partnering with 25+ trusted providers ensures competitive rates and comprehensive options.
- Expert Advice: Decades of industry experience help us guide you toward the best solutions for your needs.
- No Broker Fees: Our professional service comes with no hidden costs.
- All Business Sizes Welcome: Whether you manage one vehicle or an entire fleet, we’ve got you covered.
Key Features of Commercial Auto Insurance
Liability Coverage
Protects against claims of bodily injury or property damage caused by your vehicles.
Collision Coverage
Covers repairs or replacement costs if your vehicle is damaged in an accident.
Comprehensive Coverage
Protects against non-collision events like theft, vandalism, and natural disasters.
Hired and Non-Owned Auto Coverage
Provides protection for rented or employee-owned vehicles used for business purposes.
Medical Payment
Covers medical costs for the driver and passengers in your business vehicles.
Uninsured/Underinsured Motorist Coverage
Safeguards your business from damages caused by drivers without adequate insurance.
FAQs About Commercial Auto Insurance
What types of vehicles are covered under commercial auto insurance?
Commercial auto insurance covers cars, trucks, vans, and other vehicles used for business purposes. Fleet coverage is also available.
Is commercial auto insurance required by law?
Most states require businesses to carry commercial auto insurance if vehicles are used for work purposes.
How does commercial auto insurance differ from personal auto insurance?
Commercial auto insurance is designed to cover vehicles used for business purposes, offering higher coverage limits and additional protections like liability for employees driving on your behalf.
Can I insure rented or employee-owned vehicles?
Yes, hired and non-owned auto coverage provides protection for rented or employee-owned vehicles used for business purposes.
