Commercial Auto Insurance
Commercial Auto Insurance Information
Proudly serving Huntsville, Madison, Athens, Decatur, & Hazel Green, AL communities.
Many businesses depend on employees to drive for their daily business operations. Whether the vehicles driven are leased, rented or owned, these drivers use vehicles for whatever their job involves—transporting materials and tools, hauling goods for deliveries or meeting with customers.
Personal auto insurance doesn’t provide adequate coverage for business-related driving, so commercial auto insurance is essential. However, some businesses allow employees to drive their vehicles for work purposes. If this happens, companies should add hired and non-owned auto insurance (HNOA), which covers personal vehicles that belong to the business owner or an employee. Most business owners choose to have employees drive company vehicles with commercial auto insurance to protect the employees and the vehicles.
Commercial auto insurance can include various coverages, including:
Comprehensive coverage—Provides complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
Liability coverage—Provides a range of protection if you damage another person’s vehicle or property in an accident.
Medical payment and lawsuit coverage—Offers protection for accident-related expenses, including medical costs, lost wages and legal fees if you are sued.
Physical damage and collision protection—Reimburses policyholders for the costs of vehicle repairs needed following a crash, regardless of who is at fault. Many policies also provide coverage for uninsured and underinsured motorists.
Commercial auto insurance policies are usually customizable. Many policyholders opt to add endorsements. These add-ons include roadside assistance coverage, new vehicle replacement cost coverage, towing reimbursement, rental reimbursement and gap coverage for auto loans or leases.
How Much Does Commercial Insurance Cost?
The cost of a commercial auto insurance policy depends on several factors, including the number of vehicles, the value of the vehicles and their use. We will work with you to create a policy that fits your needs and budget.
How We Can Help
Commercial auto insurance is for any car, truck, van or similar vehicle used in your business operations. To learn more about commercial auto insurance and secure a policy of your own, call the Larry Burkman Agency at 256-830-1123 today.
Larry Burkman Agency covers commercial drivers in Huntsville, Madison, Morgan and Northern Alabama.