Commercial Auto Insurance

Commercial Auto Insurance is similar to personal Auto, but most businesses do not shop the rates as often. We do it for our clients and would love to earn your trust to advocate for your business and contribute to helping your bottom line - contact us today for a free quote.

While the major coverages are the same when discussing personal vs commercial (aka business) auto, a business auto policy differs from a personal auto policy in many technical respects. Ask one of our Plemons Insurance sales professionals to explain all the differences and options.

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal named insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do, and possibly what type of vehicle you drive. As an independent insurance agent we will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.  This way we can make sure to meet the specific requirements that will best fit your commercial auto needs for your business.