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Commercial Auto Insurance for Your Business

When you own a business, there are many things to consider. Here’s one more thing: if you or your employees drive vehicles paid for by your company, you need a separate commercial auto insurance policy. Your personal auto policy will not cover both your personal and business vehicles, but a commercial auto policy will.In addition, a business auto policy will typically allow you to buy higher limits of coverage than on a personal auto policy, which more adequately protects your business.

What does commercial auto insurance cover?

Before you invest in an insurance policy, you probably want to know what it includes. More coveragescan be added with an additional cost to your annual premium, but these are the basics:

  • Auto liability coveragehelps you to pay for any damages or injuries that were caused by either you or your employees. Accidents can be costly, so this coverage helps soften the financial blow to your business. This is especially important in the event that your company is sued and must pay for legal advice.
  • Physical damage and collision coverageis used to pay for repairs in the event that your company vehicle is involved in an accident regardless of whether you or your employee were at fault.
  • Comprehensive coverageor other than collision (OTC) coverage pays for repairs that were caused by something other than a collision. For example, theft, weather-related incidents, vandalism, fire, etc. all fall under comprehensive coverage.If you live in an area with high crime rates or particularly violent weather, this coverage is a worthy investment.
  • Medical payments coveragehelps pay for any medical treatment as a result of an injury from an accident regardless of fault for you and your employees.
  • Uninsured motorist coverageprotects you in the event that you’re involved in an accident with someone that is driving without insurance. Similarly,underinsured motorist coverageis used to cover you when you’re in an accident with a driver that carries insurance limits too low to cover damage or any medical expenses.

 

Any company car or fleet vehicle that is the responsibility of your business qualifies as a commercial vehicle and should be covered under a commercial auto insurance policy. Risk Averse Insurance is an independent insurance agency, so we can shop the best prices for your commercial auto insurance policy. Give us a call at (610) 335-1139 for any questions or to request a quote!

 

Call Risk Averse Insurancein Media, PA to discuss your business or personal insurance.

Risk Averse Insurance is an insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.

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Don and Megan were extremely helpful and a pleasant to work with. Highly recommend. They went above and beyond to get me insured quickly and at a really good rate.
Jojo Anaya
Jojo Anaya
Our construction company recently switched over to Risk Averse Insurance. We moved all of our policies over to this company. Our agent, Don Blizzard, was amazing! He was upfront and explained everything to us so we understood what we were getting. He made the process very easy and the turn around was very fast! There were no issues! Not only did we get great deals, we got better coverage than we ever had. I would definitely recommend this company! They are the best!
Kelly Robb
Kelly Robb
I recently switched to this company this year for all my business insurances and couldn’t be happier. The service my agent Don Blizzard provides is amazing. I started recommending to all my colleagues and family. Definitely worth reaching out for quotes if you’re a business contractor. Thanks again team
Louis Litwin
Louis Litwin
Just had to file a big claim for a stolen vehicle full of all my professional equipment----the policy they wrote allowed me to get real value back for my stolen equipment so I can come back even stronger!! Big thanks to my agent Don Blizzard for doing such a great job!
Ed Sheridan
Ed Sheridan
Don Blizzard is my agent with Risk Averse and he is absolutely the best. He is quick to respond with any questions or concerns I may have, gets me my certs way faster than expected, and is great at explaining things in a way that a layman can understand. I highly recommend Don and Risk Averse Insurance.
Sean Carter
Sean Carter
Don is a great insurance guy he dose my personal and business insurance every time I call he answers and takes time to answer all my questions and guides me in the right steps
Blaine Kunselman
Blaine Kunselman
I have been using them for over 5 years now and I'm very happy with the service; they always do the best to get me the best and current up-to-date deals and excellent to deal with. I recommend.
Chauncey Brown Jr.
Chauncey Brown Jr.
Ive worked with Don for the last few year's. When I started my buisness I knew I needed help and didn't know where to start.I knew I needed an absolute beast of an agent and every other owner/ operator I talked too said if "You don't have Don Blizzard as an agent then you dont have the best agent. "He took a chance and helped me grow my buisness to where its at today. Riskaverse is the absolute best and since starting my buisness all my insurance is through them with help from Don Blizzard. He has a way to explain it to me where I understand my coverage and exposure and the commercial side including Meghan are the absolute best at getting COI'S sent to potential clients within minutes of requesting the copy.Hands down I only go where Don goes and I know whatever policies are written and where my coverage goes my loyalty will always lay with Don.He took a chance and grew with me and I'm forever grateful to all the staff at RiskAverse for being family and buisness friendly and not looking at me as a number or a client but actually caring and finding us the best for which suits our needs.#TeamDonBlizzard #TeamRiskAverse#TeamMegan
James LeBoon
James LeBoon
I work with Don. He has helped lots of my family and friends for their business and personal insurance. He is super responsive, honest, and hardworking to make sure you are fully taken care of in every aspect of your policy. He cares a great deal about each unique situation. I am fully confident anytime I refer Don.
Molly Eckman
Molly Eckman
Anytime I’ve needed assistance, the staff has always been accommodating. I have, and will continue to refer people here.
Allison Parasink
Allison Parasink
The best I've ever used. Don and the team make u feel protected and being able to lay your head on your pillow at night knowing you are protected is worth more than gold.
Dolans Bar
Dolans Bar
Don and his team have been great to work with and always very accessible which is important when dealing with the stress of getting your insurance set up and doing it right. Highly recommend!
Ryan Callahan
Ryan Callahan
I had the best experience. Don helped me with both auto and homeowners insurance in getting us the best price with great service. Highly recommend!
Gloria McAllister
Gloria McAllister
Fred Burns is the absolute best! Highly recommend!
joanne kelly
joanne kelly
Highly recommend!
Jennifer McGonagle
Jennifer McGonagle
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594 S. New Middletown Rd. First Floor
Media, PA 19063

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