Commercial Vehicle & Business Auto Insurance

Commercial vehicle insurance, also called business auto insurance, is specifically designed to cover vehicles that are used for commercial purposes. Transport vehicles, delivery trucks, and company cars are usually covered under these plans. Business auto insurance is similar to private auto insurance in the types of policy options and damages that can be covered.

Business auto insurance policies can cover a variety of types of physical damage including that caused by accidents, fires, natural disasters, theft, and other incidents. However, specifically which types of damages are covered can vary based on the policy you choose. Therefore, it is a good idea to go through your units carefully before purchasing coverage to fully understand what situations the policy does and does not provide coverage for. At St. Louis Insurance Company, we bring you the best business insurance policies available. We offer a wide range of options and can find a policy that will fit your needs and budget.

To know learn more about our business auto insurance options or to request insurance quotes, call us.

Business Auto Insurance Coverage Options

If your business owns automobiles of any kind, it is highly recommended to get business auto insurance in order to protect your company owned assets. In many cases business auto insurance is required, just like personal auto insurance. In times of unforeseen circumstances, auto insurance can help your company save its assets or recover money for damaged vehicles.

There are many different options when it comes to business auto insurance plans, and each of these should be considered carefully.

• Liability Coverage: In the event of an at fault accident, this type of business auto insurance is intended to pay for damages and medical bills incurred by the other party that were injured in the accident. This coverage helps protect your assets and business from large types of losses.
• Collision Coverage: With this coverage, if the insured vehicle is ever in an accident, repairs are backed by the business auto insurance policy. Road accidents are not uncommon, and many motorists are either uninsured or under-insured. Making sure that your commercial vehicles are well-protected.
• Comprehensive Coverage: Comprehensive coverage offers a high level of protection for your commercially owned vehicles. In the case of fires, glass breakage, or theft, comprehensive coverage from a business auto insurance plan will reimburse you for the repairs. This coverage can also cover damage from natural disasters such as floods, tornadoes, hurricanes, and snowstorms.
• Rental Reimbursement: This business auto insurance policy option covers the cost of renting a replacement vehicle for a short time period, if your vehicle becomes unusable as the result of insured losses.
• Personal Accident Coverage: This option provided additional coverage to reimburse the driver of the vehicle at the time of the accident. This is especially important if the driver is hospitalized or becomes disabled due to the accident. In the case of the driver's death, their family can be compensated with this policy addition.

Request a Business Auto Insurance Quote

When it comes to purchasing business auto insurance, the many different options and add-ons can make it challenging to determine which type of coverage you will need. At St. Louis Insurance Company, we will provide a complete range of quotes for policies including different options and coverage levels. We can then help you select which coverage fits best in your budget while satisfying your needs. If you would like to learn more about our business auto insurance options or you would like to request a quote, call us.