Commercial Auto Insurance
Commercial Auto Insurance for Alabama Businesses
A commercial auto policy is essential for your business in Alabama. Auto insurance protects your business from potential losses from using vehicles for your business. Auto policies for businesses cover personal cars that are used for business, as well as SUVs, light duty trucks, buses, limousines, taxicabs, brvans and other delivery vehicles used solely for business purposes. As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries abnd other incidents that can put those investments at risk
Who Needs Commercial Auto Insurance?
Whether your business has a fleet of vehicles, or your staff drives personal vehicles for work, you need commercial auto insurance. Also, if you’re a contractor using a vehicle for business purposes, don’t delay getting that required insurance for safety and financial protection on and off the road.
To recap, if your organization or business ticks these boxes below, it’s time to buy a reliable commercial vehicle insurance policy that matches your needs and budget.
Businesses with a fleet of vehicles
Companies with employees driving personal vehicles for work
Contractors using vehicles for business purposes
Commercial Auto Insurance Coverage
Commercial auto insurance coverage varies widely and is like personal auto insurance coverage. Protect your business from financial loss in the event of an accident or theft. Below are the main types of business insurance coverage in Alabama.
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments
- Uninsured/Underinsured Motorist
- Comprehensive
- Collision
Additional commercial auto insurance may cover:
- Rental replacement auto insurance
- Additional/Optional insurance
Contact one of our skilled and friendly insurance agents to get a quick quote. Our connections with multiple carriers allow us to give you affordable rates and varied auto insurance coverage.
Does Commercial Auto Policies Cover Personal Use?
Small business owners and entrepreneurs often use their personal vehicles for work-related tasks without realizing their personal insurance may not cover commercial use. This oversight can lead to significant risks if an accident occurs during business activities. It’s common for small business owners to send employees on errands (picking up supplies, transporting clients). If an employee uses their own car and there is no commercial business insurance policy, any injuries or damage may not be covered. Obtaining adequate commercial auto insurance is crucial to protect your business from financial loss.
What Questions Will You Be Asked During a Consultation?
TCDS Insurance Agency’s agents are ready to streamline the process of securing comprehensive commercial coverage for your business. Our agents take the time to understand your business needs and how vehicles are used in your operations. We offer a personalized approach and give you an accurate quote. We’ll ask questions, including: How many vehicles do you have? How many miles do your vehicles travel? And more. Contact one of our agents today.
Commercial Auto Insurance FAQs
Below are some of the most common questions businesses ask about commercial auto insurance in Alabama.
Commercial auto insurance provides coverage for vehicles used for business purposes. This includes liability, physical damage, medical payments, and more. We ensure your business is protected against financial losses resulting from accidents, theft, or other incidents involving company vehicles.
Any business that uses vehicles for its operations should have commercial auto insurance. This includes companies with a fleet of vehicles, businesses where employees use personal cars for work, and contractors using vehicles for business tasks. It’s essential for protecting both the vehicles and the company’s financial interests.
Commercial auto insurance can cover a wide range of vehicles, including cars, trucks, vans, and specialized vehicles like delivery trucks, food trucks, and construction vehicles. Coverage can be tailored to the specific needs and risks associated with each type of vehicle used in your business.
While personal auto insurance covers vehicles used for personal activities, commercial auto insurance is specifically designed to cover vehicles used for business purposes. It offers higher liability limits, covers a broader range of vehicles and business activities, and includes additional protections that are crucial for business operations.
Contact us Today for a Quote
Our agents are ready to get your commercial vehicles in order with a solid commercial auto insurance policy. Access great rates and optimal coverage options today.