Massachusetts Commercial Auto Insurance

How Much Does Commercial Auto Insurance in Massachusetts Cost? 

How much you will pay for commercial auto insurance coverage depends on many different factors. Some of these include:

  • The vehicles you are insuring, including their size and how you use them
  • Driving history for all drivers with access to your business vehicles
  • The coverage limits you choose
  • The industry you use the vehicle for
  • The distance you typically travel
  • The location where the vehicles will be stored and operated

Do I Need Commercial Auto Insurance? 

If your vehicle is used for personal use and business, trying to figure out if you need a commercial auto policy can leave you scratching your head. Read on to learn more about the differences between a personal auto policy and a commercial auto policy.

How Do You Use the Vehicle? 

If you are using your vehicle solely for commuting, a personal auto insurance policy may suit your needs. However, if you carry equipment, tools, or make deliveries with your vehicle, you may want to consider commercial auto insurance.

Know How Much Your Vehicle Weighs    

In an accident, heavier vehicles can cause more damage. If your vehicle is heavier than common vehicles like a pickup truck or SUV, you may need a commercial auto insurance policy since they typically have higher coverage limits than personal policies.

Who Drives the Vehicle? 

Do you have employees run errands? If your employees use the vehicle regularly, you will likely need commercial auto insurance.


Sign beside road in Massachusetts with commercial trucks and car driving by


How Do I Get a Commercial Auto Insurance Quote in Massachusetts? 

If you are looking to get a commercial auto insurance quote, you can start the process one of two ways. You can fill out our online form and our team will promptly reach out to you. You can also call one of our Massachusetts offices to start the quoting process.

Once you start the process, an experienced member of our team will reach out to you to gather more details. Below is a list of what your insurance agent may ask for to start the quoting process, although they may need additional items not listed here:

 

  • List of drivers (Name, date of birth, driver’s license number)
  • List of vehicles (Year, make, model, VIN, cost new)
  • Loss run
  • Lienholder information (if any)
  • Radius and use

Your Local Massachusetts Agency 

We’re local, with convenient offices throughout Massachusetts. We take a personal approach to customer service. Our team is readily available by phone to answer questions you may have. If you experience a loss, our in-house claims department will strive to make the claims process simple and efficient.


More Insurance Coverages for Your Massachusetts Business 

Depending on your industry, scale, the services you provide and other factors, the insurance needs of your Massachusetts business can vary greatly.

We offer a broad spectrum of insurance solutions for business, including:

Request a quote on our website to begin exploring your options for insurance for businesses in Massachusetts with an experienced local agent.

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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