Protect Your Business Vehicle with Commercial Auto Insurance.
As a business owner, it can be difficult to find the right commercial auto insurance policy for your business vehicles. While some auto policies cover only personal vehicles, commercial auto insurance provides the coverage needed for business vehicles.
At American Safeguard Insurance, we’re here to provide you with high-quality commercial auto insurance and help you find the right commercial auto policy for your unique business needs. From providing physical damage coverage to liability coverage, American Safeguard Insurance is here to assist you.
What Is Commercial Auto Insurance?
Whether you are an owner, only-artisan contractor, or a company with a fleet of vehicles, Commercial Auto Insurance is important to make sure that your company can still perform its duties in the event of a claim. Your commercial auto coverage protects you, the owner, and your employees in the event of an accident. Â
Additional coverages that can be added to a business auto policy include:
Additional Insured Coverage
When entering into a contract with a customer, an Additional Insured Endorsement may be required on your business auto policy, which allows a person or organization to be insured under the policy in addition to the policyholder. This can be purchased for an additional fee as individual endorsements or as a Blanket Additional Insured Policy for unlimited additional insureds during the policy period.
Waiver Of Subrogation Coverage
A Waiver of Subrogation means that a party to a contract waives the right to allow someone (usually an insurance company) to sue the other party to the contract in case of a loss. This endorsement is much like the Additional Insured Endorsement in that it can be purchased on a case-by-case basis or as a blanket policy as well.
Hired/Non-Owned Coverage
Hired/Non-Owned Coverage allows businesses to extend Liability Coverage to a rented or leased vehicle that the company may need to use for a short amount of time, and Non-Owned Coverage extends Liability Coverage to the vehicle of an employee that is using their vehicle for job-related purposes. This coverage is usually inexpensive and can be added to either the Commercial Auto Policy or your General Liability Policy.
We'd Love To Share Our Knowledge & Experience
Commercial Auto Insurance is an important part of keeping your business running smoothly and allowing your company to continue business as usual in the event of a claim. This is why it is important to sit down with your agent and discuss how you use vehicles in your operations.
It all starts with a conversation with one of our specialists to discuss your coverage needs. We will provide a policy package tailored to your individual needs, helping you make the most informed decision. Each business is different, so visiting with your agent is important to make sure your business is protected the way it is supposed to be.
Any questions or concerns can be addressed to our team of insurance specialists, who are available to help whenever you need them.
Frequently Asked Questions
Business auto insurance is designed to cover vehicles used in the operation of a business, while personal auto insurance is designed to cover vehicles used for personal use.
Commercial auto insurance provides physical damage coverage, liability coverage, medical payments, uninsured motorist protection, and rental reimbursement.
To get a policy, contact American Safeguard Insurance, and our agents will discuss the details and cost of your policy and provide you with a quote. Once the policy is designed and approved, you can make any changes and pay the premium.
Bundle Your Commercial Auto Insurance
Commercial Property Insurance
Business Owners Insurance
Get Reliable Coverage for Your Business Vehicles.
Trust ASI to protect your business and its vehicles with comprehensive coverage.
