Regardless of the type of business you have, you probably use one or more vehicles to get around. Depending on how your organization operates, this can include vehicles that are owned or leased by the business, hired out for limited use or owned by employees but used for business purposes.

This last category, the employee-owned vehicle, is frequently overlooked. But if you ask your employees or staff to use their personal vehicles for even small errands, like taking a check to the bank or visiting a supplier or customer, this is an important element of your policy.

We’ll build the right commercial auto policy for you

Let us build a custom commercial auto policy that meets your specific needs. There can be different limits and types of coverage for each vehicle, so it is important to connect with your Rathbun Insurance agent who understands how to evaluate your unique needs.

Your policy will clearly specify:

• Each covered vehicle
• The liability and physical damage coverage for each
• Your limits of insurance
• Business use definitions
• Who is insured

Coverage types

• Liability covers third-party medical costs and damage awards for bodily injury, death or physical property damage or losses due to the negligence or fault of the individual driving your insured vehicle.
• Comprehensive covers damage to your insured vehicles when that damage occurs for reasons other than collision, such as weather, animals, vandalism or theft. 
• Collision is available alongside liability and comprehensive coverage. It helps with the cost of vehicle damage caused by your driver.
• Specific perils adds hazards or events excluded from the main policy that could lead to vehicle damage while the vehicle is on your property.
• Uninsured and/or underinsured motorist bodily injury and property damage pays if your business vehicle is hit by someone who has insufficient insurance to pay for your losses.
• Personal injury protection (PIP) pays for medical treatment for the driver and passengers of the policyholder’s car. It may also help with injured parties’ lost wages and the cost of replacing the services of the injured driver.
• Nonowned auto specifically insures rented, leased or borrowed vehicles used by the business or for its purposes.
• Fleet insurance covers all your business vehicles.

You take care of your business, and we’ll take care of you. We offer:

• Clear identification of the number and types of vehicles insured, as well as the causes and types of damage covered
• Customized coverages, limits and deductibles by vehicle
• Annual policy reviews to ensure adequate coverage 
• Responsive, friendly claims professionals
• An easy claims reporting process

Give us a call to get started. We look forward to helping you.