Services/Coverage

Commercial Auto Liability

Protect your vehicles, drivers, and business operations with coverage designed specifically for commercial use.

​Whether you operate a single vehicle or manage a growing fleet, commercial auto insurance helps ensure you remain compliant, protected, and operational after an accident or loss.

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Required coverage for most commercial vehicles

Covers bodily injury and property damage caused by your drivers while operating insured vehicles for business purposes.

Who this is for:

• Taxis and rideshare vehicles

• Delivery vans and couriers

• Contractors and service vehicles

• Fleet operators

Why it matters:
One accident can result in lawsuits, medical claims, and significant financial exposure. Commercial liability coverage helps protect your business assets and keeps you legally compliant.

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Physical Damage Coverage

Protection for your vehicles themselves

Covers repair or replacement of your vehicles due to collision, theft, vandalism, fire, or weather-related damage.

Includes:

• Collision coverage

• Comprehensive coverage

Why it matters:
Downtime costs money. Physical damage coverage helps get your vehicles back on the road quickly after a loss.

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Non-Owned & Hired Auto Coverage

Coverage for vehicles you do not own

Protects your business when employees drive rented, leased, or personally owned vehicles for business purposes.

Common scenarios:

• Employee uses their own car for deliveries

• Short-term rental vehicles

• Temporary replacement vehicles

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Uninsured / Underinsured Motorist Coverage

Protection when the other driver has little or no insurance

Covers medical expenses and injuries to your drivers when they are involved in an accident with an uninsured or underinsured motorist.

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Cargo Coverage

Coverage for goods in transit

Protects tools, equipment, or cargo being transported in your commercial vehicles.

Ideal for:

• Delivery companies

• Couriers

• Contractors transporting equipment

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Fleet Insurance

Simplified coverage for multiple vehicles

Designed for businesses with multiple vehicles, fleet insurance offers:

• Centralized policy management

• Potential cost savings

• Easier vehicle additions and removals

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