Commercial Auto Insurance
Commercial auto insurance protects your business from one of the largest risk exposures it faces – driving. If your business requires the use of vehicles, it’s important to work with an experienced commercial insurance agent to ensure you have the right coverage. Without it, you and your employees could be at risk.
INSURANCE COVERAGE
COMMERCIAL AUTO INSURANCE PROTECTION OFFERED
Auto Liability Coverage
Pays for injury or damages you or an employee cause to another while driving for work.
Comprehensive Coverage
Pays for physical damage to a business vehicle caused by something other than a collision.
Collision Coverage
Pays for physical damage to a business vehicle caused by a collision with another vehicle or object.
Personal Injury Protection
Pays for your medical expenses and lost wages without regard to fault, up to a specified limit.
Hired / Non-Owned Auto Coverage
Covers liability vehicles you’ve rented or borrowed for use in your business.
Inland Marine Coverage
Covers tools or other equipment that travel with you.
Uninsured / Underinsured Liability
Covers bodily injury you sustain as a result of an accident with a driver that has too little or no insurance.
And more
VEHICLES COVERED
Semi Trucks
Food Trucks
Box Trucks
Delivery Vehicles
Limos / Taxis
And more
COMMERCIAL AUTO INSURANCE IN MINNESOTA
Auto insurance is required to use public roads in the state of Minnesota. Whether or not you need a commercial policy vs a personal policy depends on a few factors:
- Is the vehicle owned by the business? If it is, you’ll likely need a commercial policy.
- Who drives the vehicle? If employees drive it for work, you’ll need a commercial policy.
- What type of vehicle is it? If you are insuring a heavy duty vehicle like a semi or dump truck, you’ll need a commercial policy.
- How are you using the vehicle? If you are visiting job sites frequently, carrying guests for hire, or delivering products, you’ll likely need a commercial policy.
- Unsure on the coverage you need? Contact us.
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