Commercial Auto Insurance – Baton Rouge, LA
Commercial Auto Insurance
Commercial auto insurance provides businesses with financial security for their vehicles, encompassing potential damages, injuries, or property damage resulting from company-owned or utilized vehicles during business activities.
Commercial auto insurance extends coverage to various vehicle types (such as trucks and cars) and drivers, along with certain types of motorized equipment. It encompasses bodily injury liability and property damage incurred while operating a company vehicle, as well as medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s vehicle. Additionally, it covers injuries or damage inflicted upon others.
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Commercial Auto Insurance
Commercial auto insurance provides businesses with financial security for their vehicles, encompassing potential damages, injuries, or property damage resulting from company-owned or utilized vehicles during business activities.
Commercial auto insurance extends coverage to various vehicle types (such as trucks and cars) and drivers, along with certain types of motorized equipment. It encompasses bodily injury liability and property damage incurred while operating a company vehicle, as well as medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s vehicle. Additionally, it covers injuries or damage inflicted upon others.
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.
Every business is unique – talk to Premier Insurance Group, LLC today to find out how to get the best commercial auto insurance, service, price and value. Give Premier Insurance Group, LLC a call at 225-523-4065.
Frequently Asked Questions about Commercial Auto Insurance
What types of vehicles require commercial auto insurance?
Commercial auto insurance can be obtained on any type of car from a normal private passenger sedan to a full-size one-ton pickup truck or an 18-wheeler. Commercial auto insurance is sometimes determined by vehicle type and other times by usage.
How much commercial auto insurance coverage do I need?
How much commercial auto insurance you need simply depends on your situation. Talk to a licensed agent to determine the level of coverage and options you need for your commercial auto.
Can my commercial auto policy cover personal usage?
It is impossible to answer this question without more information. It depends on if the vehicle used is a company owned vehicle, a personal vehicle being used for commercial purposes, or who is driving the vehicle. It is possible you may need another endorsement referred to as a non-owned vehicle endorsement.