If you use vehicles for your business, commercial auto insurance is a smart choice, even if you are leasing the vehicles. Commercial auto insurance policies typically have higher coverage limits than personal policies. If you are unsure if your business needs commercial auto coverage, consider if you use the vehicle for any of the following:
Generally, commercial auto insurance covers things such as medical expenses for individuals who are injured in an accident involving your business vehicles, property damage from auto accidents, and damage to your business vehicles from certain covered weather events. Some other common commercial auto insurance coverages are:
If you are looking for quotes for commercial auto insurance coverage, one of our local agents would be happy to assist you. Reach out to one of our offices in Maine, Massachusetts, New Hampshire, New York, Rhode Island, Connecticut, or Florida to start the process today.
If you are ready to take the next step and reach out for an auto insurance quote, collecting needed information beforehand can help save some time. 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:
Commercial auto coverages and premium costs can vary from carrier to carrier. At Cross Insurance, we work with national carriers as well as local companies to provide your business with options.
Whether you are just starting a moving company, or have operated one for decades, having appropriate insurance coverage is a fundamental step to running your business. If your moving business is located in Maine, Massachusetts, New Hampshire, New York, Rhode Island, Connecticut, or Florida, one of our Cross Insurance offices may be closer than you think. Reach out to one of our offices to request a quote for your business.
While policies vary, there are certain activities typically not covered when it comes to commercial auto liability insurance. For example, organized racing or participation in a demolition event in a covered vehicle probably would not be covered. Another typical exclusion is intended injury or damage, such as an employee using a covered vehicle to destroy property following a road rage incident. Your commercial insurance policy may have different exclusions, so it is always a good idea to review it with your local insurance agent to see what is covered.