Commercial Automobile Insurance

A business that owns and operates vehicles will have to purchase commercial auto insurance. Commercial auto insurance protects your company’s vehicular assets and also protects your business from a possible claim or law suit which can have an impact on your finances.

A commercial auto policy is written and rated based on the specific needs of a business in order to protect you and your business from liabilities or physical damage coverage. All vehicles that are owned, operated, rented, hired and some non-owned vehicles are insured under a commercial auto policy. A combination of vehicle types like cars, trucks, trailers, buses, limos, taxis, etc. are covered under a Commercial Auto Policy. The limits of coverage are generally higher.

Use of Personal Vehicles

Personal vehicles used for the business will run the risk of not having coverage if there is a loss or damage incurred while operating the vehicle for the business.

Commercial Auto Coverage Options

The following options are available under commercial auto insurance:

  • Any auto – this rating covers most traditional automobiles
  • Owned private passenger auto only – this will cover only private passenger autos
  • Specifically described autos – these autos must be listed on the policy and can include trailers towed by the listed vehicles
  • Owned auto only – this covers any auto which is personally owned by the insured. It may also cover any trailer towed by an owned auto.
  • Hired autos only – this coverage extends to any auto leased, hired, borrowed, or rented by the insured, but does not cover those autos from employee, member of insured’s household or a partner.
  • Owned autos other than private passenger autos – this coverage extends to all owned vehicles not designed to be passenger vehicles such as trucks, vans and motorized equipment
  • Hired/non-owned auto liability – if you are renting cars or if your employees use their own vehicles, this coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or non-owned vehicle (employee using their own vehicle on company business)

We offer the following Commercial Auto Policies:

  • Driving School
  • Limousine
  • Taxis
  • Non-Emergency Medical Transportation
  • Dump Trucks, Tractor Trailers, Truckers
  • Buses, Van Pools
  • And many more

Call us at 703-820-3100 or email us to discuss your commercial auto needs.

Why Choose Us?

Find out the reasons why our agency is the best choice for your insurance needs. read more »

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Our Location

5985 Columbia Pike, Suite 100
Falls Church, Virginia 22041
MONDAY- FRIDAY: 9.00 A.M - 5.00 P.M.
CELL:  571-481-0078
PH:     703-820-3100
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