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At BIC we take the stress out of shopping for Commercial Auto Insurance!

With several Admitted and Excess Lines Carriers, we have the right solution! Whether you have sedans, vans, pick-ups, SUVs, or large trucks, we can help! Whatever your business needs, we are committed to finding the coverages you need to keep your commercial vehicles protected.

Commercial auto insurance covers vehicles owned by or used for a business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial Auto Insurance – Who Needs It?

  • You need commercial auto insurance if you own or lease a vehicle in the name of your business. Most states require all vehicles to carry a minimal amount of insurance, and personal auto insurance policies cannot insure commercial vehicles, so you may not have a choice.
  • Commercial auto insurance isn’t just for industrial vehicles, like semis or dump trucks, and vehicles owned by your business. You might want to consider insuring your vehicle with commercial auto insurance.
  • If you are a contractor who drives your personal truck to the site every day; employees, co-workers or clients drive your vehicle; or your vehicle is used to transport clients, goods, materials or equipment, then you may want to use commercial auto insurance for your vehicle.
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Commercial auto insurance covers two basic categories: liability and property.

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Commercial Auto Liability Insurance

  • Liability insurance protects your business in the event of injury or damage to a third party or their property.
  • Bodily injury liability insurance provides coverage if you or your employee injure someone in a car crash and are found to be at fault. Expenses covered include medical costs, legal fees, loss of income and other compensation.
  • Property damage liability insurance covers you if you or an employee cause property damage while driving and are found to be at fault, whether to another car, a building or a fence.

Commercial Auto Property Insurance

  • This coverage protects the value of your vehicle in the event of damage. There are two types here, as well.
  • Collision coverage pays for damage to your vehicle during an accident, whether you caused the accident or not.
  • Comprehensive physical damage covers the cost of repairing or replacing your vehicle in the event of theft or damage from vandalism, falling objects, fire, glass breakage, etc.
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Additional Options

  • Depending on your situation, consider investing in additional types of auto insurance that are less standard.

Uninsured Motorist

  • About one in seven drivers in the US is uninsured, despite the illegality of that in most states. If an uninsured driver causes an accident, they may be unable to pay the damages. Uninsured motorist coverages ensure that your insurance carrier picks up the slack, not you.

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