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commercial auto insurance

Insure Connecticut:
Commercial Auto Insurance

Protect your business and your employee from the unexpected events on the road.

WHAT IS A COMMERCIAL AUTO INSURANCE POLICY?

Commercial auto insurance helps cover the costs of an auto accident that occurs while you or an employee is using a company-owned vehicle for work purposes. Even in the event of a deadly accident, this coverage can assist pay for property damage and medical expenses.

White Truck Parked Nearside

Who Is Required to Have Commercial Auto Insurance?

  • Vehicles, such as cars and trucks, are owned, leased, or rented.

  • Has employees that drive their cars for work.

  • Has employees that drive corporate vehicles that are leased, rented, or owned by the company.

Commercial Auto Insurance Coverage

  • Bodily injury liability coverage  - compensates for bodily injury or death caused by an accident in which you are at fault and, in most situations, provides legal defense.

  • Property damage liability coverage - protects you if your car accidentally damages another person's property and, in most situations, provides you with legal protection.

  • Combined single limit (CSL) - Liability plans often include different limits for bodily injury and property damage claims. A combined single limits policy provides the same cash amount of coverage per covered occurrence, whether bodily injury or property damage, and whether the occurrence involves one or more people.

  • Medical payments, no-fault or personal injury coverage – compensate for the medical expenses incurred by the driver and passengers in your vehicle as a result of a covered accident, regardless of fault.

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  • Uninsured motorist coverage –compensates you for your injuries and, in some cases, property damage caused by an uninsured or hit-and-run driver. Underinsured motorist coverage is sometimes provided. This is for circumstances where the at-fault driver does not have enough insurance.

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  • Comprehensive physical damage coverage - compensates you for vehicle damage caused by theft, vandalism, water, fire, and other insured perils.

  • Collision coverage- pays for damage to your car when it collides with or is collided with another object.

Do you have a question about your policy?

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