Commercial Auto Insurance

The Importance of Commercial Auto Insurance

Commercial Auto Insurance is crucial for all business owners who use vehicles in their operations.

Whether you’re making client calls, delivering goods, or transporting guests, this coverage helps protect your firm’s assets in the event of an accident or physical damage.

Baldon Group will help you secure a policy that fits your risk profile, whether you have a single vehicle or an entire fleet.

Key Coverages in Commercial Auto Insurance

Bodily Injury and Property Damage Liability

This coverage helps pay for medical expenses and property damage caused by you or your employees to others in an accident.

Comprehensive and Collision (Physical Damage)

Comprehensive coverage helps pay for damages to your vehicle from non-collision incidents like theft, fire, or natural disasters. Collision coverage pays for damages resulting from collisions with another vehicle or object.

Rental Reimbursement

This covers the cost of renting a vehicle if your business vehicle is in the shop due to a covered loss.

Medical Payments

Medical payments coverage can help pay for medical bills for your employees and their passengers if they are injured in an accident.

Hired and Non-Owned Auto Insurance

This coverage offers liability protection if you or your employees are involved in an accident while driving personal, rented, or leased vehicles for business purposes.

Uninsured and Underinsured Motorist Coverage

This helps cover medical expenses or repair costs if you or your employees are involved in an accident with a driver who lacks sufficient insurance.

Roadside Assistance

This service provides help for common roadside emergencies, such as towing, fuel delivery, and flat tire changes.

Customizing Your Commercial Auto Insurance

Baldon Group is adept at obtaining coverage for businesses with varying levels of auto exposure. Whether your primary exposure is auto liability and physical damage or you have minimal auto exposure, our risk-management approach and longstanding relationships with specialized insurance markets allow us to find the best coverage for you.

Why You Need Commercial Auto Insurance

Protecting Your Business on the Road

Commercial auto insurance helps protect you and your employees while using company-owned vehicles for business. This coverage can help pay for property damage and medical expenses resulting from accidents.

Essential Coverage for Common Risks

Depending on your state and specific needs, commercial auto insurance can cover:

  • Bodily Injury Liability: Medical expenses for the other driver if you or your employees cause an accident.
  • Property Damage Liability: Damages to someone else’s property caused by you or your employees.
  • Drive Other Car Coverage: Coverage for executive officers and their spouses driving non-covered vehicles.
  • Collision and Comprehensive Coverage: Damages from collisions and non-collision incidents like theft or natural disasters.
  • Medical Payments Coverage: Medical expenses for employees and passengers.
  • Uninsured/Underinsured Motorist Coverage: Expenses if the other driver lacks sufficient insurance.
  • Rental Car Coverage: Liability while driving a rental vehicle for business.
  • Personal Injury Protection (PIP): Medical expenses, lost wages, or funeral costs after an accident, regardless of fault.
  • Hired and Non-Owned Auto Insurance: Liability coverage for personal, rented, or leased vehicles used for business.

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