Commercial Auto Coverages Comprehensive Protection for Your Business Vehicles

Commercial Auto Insurance offers a variety of coverages designed to protect your business vehicles from a range of risks. Safe Insurance provides tailored solutions to ensure that your vehicles, drivers, and business operations are fully protected. Here are the key coverages included in our commercial auto insurance policies:

Liability Coverage

Liability Coverage is essential for protecting your business against financial loss if you are found legally responsible for an accident involving your business vehicle. It includes:

• Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees if someone is injured in an accident for which you are responsible.
• Property Damage Liability: Covers the cost of repairing or replacing the property of others damaged in an accident caused by your business vehicle.

Physical Damage Coverage

Physical Damage Coverage protects your business vehicles against various types of damage. It includes:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision with another vehicle or object.
• Comprehensive Coverage: Covers damages from non-collision-related incidents such as theft, vandalism, fire, natural disasters, and falling objects.

Medical Payments Coverage

Medical Payments Coverage pays for medical expenses for the driver and passengers in your business vehicle in the event of an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage provides protection if your business vehicle is involved in an accident with a driver who has insufficient or no insurance. This coverage helps cover medical expenses and damages when the at-fault driver cannot pay.

Hired and Non-Owned Auto Coverage

Hired and Non-Owned Auto Coverage provides liability protection when employees drive vehicles not owned by the business, such as rented or personal vehicles used for business purposes.

Cargo Coverage

Cargo Coverage protects the goods and products being transported in your business vehicles, ensuring they are covered against loss or damage during transit.

Rental Reimbursement Coverage

Rental Reimbursement Coverage pays for the cost of renting a vehicle if your business vehicle is being repaired due to a covered loss. This helps maintain your business operations without interruption.

Roadside Assistance Coverage

Roadside Assistance Coverage provides services such as towing, battery jump-starts, tire changes, and fuel delivery if your business vehicle becomes disabled on the road.

GAP Coverage

GAP Coverage pays the difference between the actual cash value of your business vehicle and the amount you owe on your lease or loan if the vehicle is totaled in a covered loss. This coverage prevents you from having to pay out of pocket for a vehicle that is no longer usable.

Equipment Coverage

Equipment Coverage covers tools, equipment, and other business property carried in your commercial vehicles, protecting them against loss or damage.