What Is Covered Under a Standard Commercial Auto Policy?

If your business relies on vehicles, whether it’s a single car or an entire fleet, having the right insurance is essential. A standard commercial auto policy offers a range of coverages designed to address the unique risks that come with operating vehicles for business purposes. At Karla's Insurance Agency, Inc, we understand how important it is for Virginia business owners to financially protect their vehicles, employees, and bottom line.

Key Protections in a Commercial Auto Policy

A standard commercial auto insurance policy typically includes several core coverages:

Liability Coverage
This is the foundation of most business auto policies. Liability coverage helps pay for bodily injury or property damage that your business may be responsible for if one of your vehicles is involved in an accident. This protection is not only required by Virginia law but may also help your business in the event of costly lawsuits.

Physical Damage Coverage
This includes both collision and comprehensive coverage. Collision coverage helps pay for damage to your business vehicles resulting from a crash, regardless of who is at fault. Comprehensive coverage covers non-collision events such as theft, vandalism, fire, or weather-related damage.

Medical Payments Coverage
If you or your employees are injured in a covered accident, medical payments coverage can help with medical expenses, regardless of fault. This can be especially valuable for businesses with employees who drive regularly.

Uninsured/Underinsured Motorist Coverage
If your business vehicle is hit by a driver who doesn’t have enough insurance or any at all, this coverage helps pay for resulting injuries or damages.

Additional Options
Depending on your needs, you may also consider coverage for towing, rental reimbursement, or specialized equipment attached to your business vehicles.

How Our Team Can Help

Choosing the right commercial auto insurance can feel overwhelming, but the team at Karla's Insurance Agency, Inc is here to guide you. We work with Virginia business owners to assess their risks, explain policy options, and tailor coverage to fit their operations.

Contact us today to discuss your commercial auto insurance needs and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.