Commercial Auto Insurance in Huntsville, AL
Commercial auto insurance may provide financial protection for vehicles used for business purposes. It may cover repairs, medical expenses or legal claims when accidents or damage occur.
What Does Commercial Auto Insurance Cover?
A commercial auto policy can address various situations that business vehicles encounter. Coverage often varies, but many policies include:
- Damage to vehicles after an accident
- Damage caused by fire or severe weather
- Injuries to drivers or passengers
- Liability for third-party injuries and property damage
- Theft or vandalism of company vehicles
- Towing and roadside assistance
- Coverage for employees driving rented or leased vehicles
- Uninsured or underinsured motorist coverage
What Do Policies Usually Exclude?
Commercial auto policies have limits. They generally do not cover personal use of company vehicles unless specifically added, mechanical breakdowns not caused by an accident, or damage from intentional acts. Certain types of equipment carried in vehicles may also require separate coverage. Be sure to review your policy and understand exclusions to avoid coverage gaps.
How Much Does a Policy Cost?
Many factors influence commercial auto insurance rates. Insurers usually consider the number of vehicles, employees’ driving history, your business type and coverage limits. Premiums may also change based on the vehicles’ age and condition.
Coverage You Can Count On
Budget Insurance is committed to helping your business secure commercial auto insurance. Our agents are ready to answer your questions and can help you customize a policy. Contact us today to get started.