Three main types of commercial vehicles for insurance purposes are business autos, trucks and public conveyances (buses, taxis). Business autos may be insured individually or as a fleet, depending on the number of vehicles. Commercial auto insurance provides liability protection for injuries and property damages caused by vehicles used in your business. In addition, liability protection is provided when you permit your employees to drive other vehicles not owned by your firm.
Physical damage to your vehicles is covered by comprehensive and collision insurance within the commercial auto policy. Comprehensive pays for damages, not the result of a collision, such as vandalism, theft, fire. Collision pays for damages as a result of hitting an object or overturn. Give us a call and we can counsel you on premium savings, such as through different deductibles and fleet discounts, while making sure you have the right insurance for your vehicles.