We’re the Commercial Auto Insurance Agency in Ohio
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, and other incidents that can put those investments at risk.
Get a commercial car insurance quote today to protect your business vehicles.
Types of Vehicles Covered By Ohio Commercial Auto Insurance
Commercial automobile insurance helps cover a wide range of commercial vehicles — a broad term that refers to most commercial business automobiles — including but not limited to:
- Company cars
- Cargo vans
- Limos
- Taxis
- Buses
- SUVs
- Pickup trucks
How Much Does an Ohio Commercial Auto Insurance Policy Cost?
The cost of a commercial car insurance policy can vary depending on your type of business and coverage needs.
Insurance companies also review risk factors along with any efforts your company may make to improve driver safety when they assess the amount of coverage your business needs. Common risk factors include:
- How vehicles are used for business purposes
- How often vehicles are used
- Vehicle age and condition
- Annual mileage
- And other factors
The best way to know how much you will pay for commercial insurance is to get a free quote.
Commercial Auto Coverage Options
Commercial auto insurance coverage is similar to personal auto insurance in basic coverage, such as auto liability coverage, comprehensive, collision, and other types of coverage that are specific to business vehicle use.
A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well-being.
Commercial auto insurance policies combine several different types of coverage. Some are required and some are optional.
A typical commercial vehicle insurance policy includes some combination of the following:
Bodily Injury Liability Insurance Coverage
This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee.
Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit.
The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.
Property Damage Liability Insurance Coverage
This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles.
It’s a good idea to work closely with an independent insurance agent to assess your risks as well as the potential costs of injury, property damage, and legal fees.
For the best protection, consider buying a commercial umbrella liability policy.
Collision Coverage
As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.
Comprehensive Insurance
Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft, and vandalism.
Uninsured and Underinsured Motorists
If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.
Medical Payments
This coverage pays for medical and/or funeral expenses for you, drivers, and passengers after being involved in an accident.
Additional Commercial Vehicle Insurance Coverage Options
A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in.
For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.
You might also buy coverage for a rental replacement auto if your company car is in the shop.
You could opt to get towing and roadside assistance. Some insurance companies even provide specific coverage for companies who load and unload cargo, due to the increased liability risk involved.
The right business insurance can protect you, your company, and all of the drivers in your commercial cars, vans, pickup trucks, or limos in an auto accident.
One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.
Make sure your businesses in Ohio are covered.
Contact our agents at Dumbaugh Insurance now.
Does Commercial Auto Insurance Cover Personal Use?
Commercial auto policies may cover personal vehicles used for business, such as:
- SUVs
- Light-duty trucks
- Buses
- Limousines
- Taxicabs
- Vans
- Other delivery vehicles used for work purposes
Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal auto insurance may not cover commercial use of your vehicle.
It’s common for an employee to run business errands using a personal car, whether to get supplies from the local store or to give a business consultant a ride from the airport.
If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.
Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.
Find the Right Commercial Auto Insurance in Ohio for Your Business Needs
An independent agent like Dumbaugh Insurance can provide all of your commercial coverage through one office.
We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.
We’ll ask a variety of questions designed to not only get you an accurate quote but also find discounts that may be available to you.
You may be asked questions such as:
- How many commercial automobiles do you have?
- How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
- How many miles does each vehicle typically travel in a year?
- How many drivers do you have?
- What are their ages and levels of experience?
- Have your drivers taken a safe driving course?
If you have questions about commercial auto insurance or want to learn more about commercial auto insurance, contact Dumbaugh Insurance. We also offer a free commercial auto insurance quote.
Need Commercial Auto Insurance for Your Ohio Business? Protect Your Business Vehicles with a Customized Commercial Auto Insurance Quote Today
If you don’t have commercial auto insurance or if you already have business auto insurance coverage but aren’t sure it’s comprehensive or competitively priced, we’ll give you a free quote today and help you keep your business on the road safely. You can call one of our offices, fill out our contact form, or head to our Quotes page to submit some basic information to get the commercial vehicle insurance quote process started.