The Premier Commercial Auto Insurance Specialists in Columbus
As a business owner in Columbus, you might possess single or multiple vehicles for business purposes, such as fleets, trucks, delivery and cargo vans, private passenger vehicles, trailers, taxis, limousines, or buses.
You need commercial auto insurance to protect against accidents, injuries, and other unforeseen events that can jeopardize your business’s vital investments.
Dumbaugh Insurance, an insurance company in Columbus, Ohio, can help you find the best commercial insurance coverage you need at an affordable cost.
What Vehicles are Covered by Commercial Auto Insurance in Columbus?
Commercial vehicle insurance extends its coverage to a broad spectrum of business automobiles, including but not limited to:
- Fleet vehicles
- Dump trucks
- Cargo vans
- Pickup trucks
How Much Does Business Auto Insurance Cost in Columbus?
The cost of your commercial auto insurance policy in Columbus hinges on factors like your business type and coverage requirements.
Insurance providers consider risk factors and your company’s efforts to enhance driver safety when assessing your coverage needs. Key risk indicators involve:
- Business usage of vehicles
- Frequency of vehicle utilization
- Vehicle age and condition
- Annual mileage
- And other pertinent factors
To determine how much your monthly premium costs, click here to begin the commercial auto insurance quote process.
Types of Commercial Auto Coverages in Columbus
Commercial auto insurance is similar to personal auto insurance, encompassing liability coverage, comprehensive and collision coverage, along with other commercial coverages tailored to business vehicle use.
Comprehensive commercial auto insurance can cover the following:
Bodily Injury Liability Coverage
This auto liability coverage insures against injury to third parties resulting from auto accidents caused by you or your employees.
It covers medical and legal expenses and in some cases, funeral costs. The compensation amount depends on your bodily injury liability coverage limit and deductible.
Property Damage Liability Coverage
This liability insurance coverage option helps with expenses to mend property damage resulting from you or your employees. Coverage extent and deductibles determine the compensation.
Partnering with an independent insurance agent aids in assessing risks and estimating injury, property damage, and legal costs.
For optimal protection, consider acquiring a commercial umbrella liability policy.
Similar to personal auto policies, a robust business auto policy should feature adequate collision coverage, covering damage to your vehicle when you or your employees cause an accident.
Also known as “other than collision,” comprehensive coverage is pivotal for damages or losses not due to collisions. This includes damage from:
- Glass breakage
- Hitting an animal
Uninsured and Underinsured Motorist Coverage
If your driver is in an accident caused by an inadequately insured motorist, this coverage helps pay for damages and injuries, up to your policy’s limits.
This coverage handles medical expenses for motor vehicle accidents involving you, drivers, and passengers.
Additional Coverage Options for Commercial Vehicles
A plethora of additional coverage options exist, varying by insurer and state regulations.
Some examples include coverage for employees driving non-company vehicles, rental replacement auto coverage, towing assistance, and specific cargo-related liabilities.
Proper business insurance shields your company, its vehicles, and drivers in case of accidents involving commercial cars, vans, trucks, or limos.
Sufficient liability coverage is crucial if your company or employees cause accidents harming others or damaging property.
Protect your business in Columbus.
Does Commercial Auto Insurance Cover Personal Use in Columbus, OH?
Commercial auto policies may cover personal vehicles used for business purposes, such as:
- Light-duty trucks
- Other work-related delivery vehicles
Small businesses in Columbus often use personal cars for work without considering potential coverage gaps. Yet, be aware that personal auto insurance might not cover business-related use.
Employees frequently use personal vehicles for business errands. This might include running an errand for supplies or giving a colleague a ride.
If your worker drives their car for business and lacks coverage under a commercial auto policy, resulting damages or injuries might not be covered.
No matter how often a personal car or truck is used for business purposes, getting adequate insurance protection is key to avoiding financial risks.
How We Find the Right Commercial Auto Insurance Policy to Protect Your Business Vehicles
The independent insurance agents at Dumbaugh Insurance will help you find the best amount of coverage your business needs at a price you can afford.
We’ll dig into the business of your business. Our agents will learn your vehicle usage patterns, help find potential discounts, and more.
Expect questions such as:
- How many commercial vehicles do you own?
- Are you renting cars or are your employees using their own vehicles?
- How are these vehicles utilized? For instance, do they transport goods, people, hazardous materials, or food?
- What’s the average annual mileage per vehicle?
- How many drivers do you have?
- What are your drivers’ ages and driving experience?
- Have your drivers completed any safe driving courses?
For more information about commercial auto insurance plans in Columbus, contact our independent insurance agency.
Need Commercial Auto Insurance for Your Columbus Business? Secure Your Commercial Vehicles with a Free Quote
Whether you lack commercial auto insurance or wish to assess your existing coverage, get a free quote now to keep your business rolling safely. Contact us or visit our Quotes page to start the quote process.