Commercial auto insurance is a type of insurance that protects businesses from financial losses caused by accidents involving their business vehicles. It is an essential investment for any business that owns or operates vehicles, regardless of size or industry.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance typically covers the following:

• Liability coverage: This covers bodily injury and property damage to others caused by an accident involving your business vehicle.

• Collision coverage: This covers damage to your own business vehicle caused by an accident.

• Comprehensive coverage: This covers damage to your business vehicle caused by other than an accident, such as theft, vandalism, and weather events.

In addition to these basic coverages, commercial auto insurance policies may also offer a variety of optional coverages, such as:

• Uninsured/underinsured motorist coverage: This protects you from financial losses if you are hit by an uninsured or underinsured driver.

• Medical payments coverage: This pays for medical expenses for you and your passengers if you are injured in an accident involving your business vehicle.

• Rental car reimbursement coverage: This pays for the cost of renting a car while your business vehicle is being repaired or replaced after an accident.

How Much Commercial Auto Insurance Do I Need?

The amount of commercial auto insurance you need will vary depending on the size and type of your business, the number and type of vehicles you own or operate, and the risks your vehicles face. It is important to work with an experienced insurance agent to determine the right amount of coverage for your needs.

How to Choose the Right Commercial Auto Insurance Policy

When choosing a commercial auto insurance policy, it is important to consider the following factors:

• The type of coverage you need: What types of risks do your vehicles face? Do you need coverage for liability, collision, comprehensive, and optional coverages?

• The value of your vehicles: How much are your business vehicles worth? You will need to purchase enough coverage to protect the full value of your vehicles.

• The risks your vehicles face: What types of risks do your vehicles face? Do they travel by road, highway, or off-road? Are they used for business or personal purposes?

• Your budget: How much can you afford to spend on commercial auto insurance?

It is also important to read the fine print of any commercial auto insurance policy before you purchase it. This will help you to understand the coverage that is offered, the exclusions, and the claims process.

Why Choose Deerfield Advisors for Commercial Auto Insurance?

Deerfield Advisors is an independent insurance agency that specializes in commercial auto insurance. We have a team of experienced and knowledgeable insurance agents who can help you find the right policy for your needs and budget.

We also offer a variety of discounts, including:

• Multi-policy discounts: If you have other insurance policies with Deerfield Advisors, you may be eligible for a multi-policy discount.

• Good driver discounts: If you have a good driving record, you may be eligible for a good driver discount.

• Vehicle safety features discounts: If your business vehicles have certain safety features, you may be eligible for a vehicle safety features discount.

• Industry discounts: We offer discounts to businesses in certain industries.

Contact Deerfield Advisors Today for a Free Commercial Auto Insurance Quote

If you are interested in getting a free commercial auto insurance quote from Deerfield Advisors, please contact us today. We can help you find the right policy for your needs and budget.