Commercial Auto Insurance

Commercial auto insurance is essential for businesses that rely on vehicles to operate. Whether you own a single company car or manage a fleet of vehicles, this type of coverage protects your business from financial risks associated with accidents, property damage, and liability claims. At Smitherman & Associates, we offer commercial auto insurance solutions specifically designed to meet the needs of Illinois businesses, ensuring your operations run smoothly.

What Is Commercial Auto Insurance?

Commercial auto insurance is a policy designed to cover vehicles used for business purposes. It provides protection against physical damage to your vehicles, liability coverage for accidents involving your business vehicles, and other risks associated with operating vehicles for work purposes. This coverage is vital for businesses that use cars, trucks, vans, or other vehicles to transport goods, provide services, or travel to job sites.

Key Coverages in Commercial Auto Insurance

• Liability Coverage: Covers damages and injuries caused by your business vehicles in an accident.
• Physical Damage Coverage: Protects your vehicles against damage from collisions, theft, vandalism, or weather-related incidents.
• Uninsured/Underinsured Motorist Coverage: Provides protection if your business vehicle is involved in an accident with a driver who lacks sufficient insurance.
• Medical Payments Coverage: Helps cover medical expenses for drivers and passengers injured in an accident.
• Hired and Non-Owned Auto Coverage: Extends protection to vehicles your business rents or uses but does not own.

Answers to Common Commercial Auto Insurance Questions

Who needs commercial auto insurance? Any business that uses vehicles for work-related purposes should consider commercial auto insurance. This includes businesses that transport goods, provide services, or rely on vehicles for employee travel.

How is commercial auto insurance different from personal auto insurance? Commercial auto insurance is specifically designed to cover vehicles used for business purposes. It provides higher liability limits and additional coverages that address risks unique to business operations.

How can I get started? To learn more about commercial auto insurance or to request a quote, visit our Contact Us page. The team at Smitherman & Associates is ready to assist Illinois businesses with finding the right coverage for their needs.