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Commercial Auto Insurance

Who Needs Business Auto Insurance?

Naturally companies that own fleets of vehicles have to carry this coverage. Whether or not your business owns a fleet of vehicles you probably have employees who drive on company business. Kessler Alair Insurance Services can help you insure vehicles for the administrative assistant who runs company errands or the salesperson in a rental car.

What Coverage Does Your Business Need?

No two businesses are exactly alike. Kessler Alair Insurance Services will take the time to learn about your business needs when helping you choose coverage. Although most businesses need commercial auto insurance, some companies can add non-owned automobile coverage to a general liability policy. Did you know if you are a small business owner and you use your personal vehicle in the delivery or pickup of products, parts, etc your personal auto policy may exclude coverage at the time of loss? The personal auto policy has an exclusion for commercial use. If you use your vehicle in your own business you may want to look at obtaining a commercial auto policy to afford protection if you are involved in an accident. Companies that own even one motorized vehicle need to have an owned-vehicle policy.

Kessler Alair Insurance Services writes multi-state commercial vehicle policies for:

  • Builders and contractors
  • Manufacturing
  • Distribution/Wholesale
  • Retail
  • Importers
  • Agribusinesses
  • Medical/Health industry
  • Non-Profit Enterprises
  • New Ventures
  • Automotive Industry
  • Service/Hospitality Industry
  • Golf and country clubs
  • Property management companies
  • Businesses in many other industries

Available business vehicle insurance options are similar to the options available for personal coverage. Kessler Alair Insurance Services works with national insurance companies which offer a selection of coverages and may include:

  • Liability coverage
  • Uninsured Motorists
  • Under-insured Motorist
  • Medical Payments coverage (PIP)
  • Collision
  • Comprehensive
  • Non-owned Auto Coverage
  • Hired Auto Liability
  • Hired Auto Physical Damage
  • Drive Other Car Coverage
  • Garage Liability
  • Garagekeepers

Mobility is important in business. Give your company a boost by making sure you have sufficient business auto insurance and know your options. Contact Kessler Alair Insurance Services today for a comprehensive risk assessment.