Commercial Auto Insurance in Bountiful, UT
Navigating the complexities of commercial auto insurance is crucial for any business that relies on vehicles for its operations. Whether it’s a single delivery van or an entire fleet of trucks, having the right coverage can protect your business from potential financial losses due to accidents, theft or damage.
What Is Commercial Auto Insurance? 
Commercial auto coverage is a policy designed to cover vehicles used for business purposes. Unlike personal auto insurance, which covers vehicles used for personal or family-related activities, commercial auto policies aim to protect vehicles essential to a business’s operations. This can include a range of vehicles, such as cars, trucks, vans and trailers.
The coverage offered by commercial auto insurance typically includes the following:
- Liability coverage may protect against legal liability for bodily injury and property damage caused by an accident involving a business vehicle.
- Physical damage coverage may cover damage to the insured vehicle from collisions, theft, vandalism and other perils, depending on selected coverage.
- Medical payments coverage may cover medical expenses for the driver and passengers in an accident.
- Uninsured/underinsured motorist coverage may provide protection if the business vehicle is involved in an accident with an at-fault driver with insufficient or no insurance.
- Hired and non-owned auto coverage may cover vehicles rented, leased or borrowed for business purposes, as well as employee-owned vehicles used for work.
By securing commercial auto coverage, businesses can mitigate the financial risks associated with vehicle accidents and help ensure the continuity of their operations.
How Much Is Commercial Auto Insurance?
The cost of commercial auto coverage varies based on several factors, including the type and number of vehicles being insured, the nature of the business, the driving records of the employees and the amount of coverage required. Other considerations are the business’s location, the frequency of vehicle use and the typical driving conditions encountered.
Customizing the policy with additional coverage options can also impact the overall cost. Businesses typically need to provide detailed information about their operations and vehicle usage to insurance providers to get an accurate estimate.
Contact Axcess Insurance to Learn More
Commercial auto insurance is an essential investment for any business that relies on vehicles. Contact the team at Axcess Insurance, located in Bountiful, UT, for a quote tailored to your needs.