Get help with free Business Auto Policy insurance quotes and enjoy same day policy.
We regularly process Business Auto Policy Insurance Quotes and insure many types of Retail, manufacturing, farming, wholesale trade and like businesses that account for nearly 85 percent of the national economy. Contact us today for quick assistance (844) 863-6154.
We offer the best in class Commercial or Business Auto Insurance in the country. With our top national insurers and our broad acceptability of businesses, drivers and vehicles, we provide options for a nearly an endless list of risks that need coverage, even those that other carriers typically turn away, such as religious organizations, taxi companies, black car limo service and local farmers. We can quote nearly any business type and deliver rates and discounts that save money. Call if you need help (844) 863-6154.
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Review more detailed information regarding business auto policy of insurance including fleet coverage.
Fleet business auto insurance policies and coverages are designed to protect companies that own or manage a fleet of vehicles. This type of insurance is essential for businesses that rely on their vehicles to transport goods or services, as it provides protection against financial losses due to accidents, fires, theft, and other unforeseen events. Fleet business auto insurance policies typically include coverage for property damage, bodily injury, and personal liability. In addition, they may also provide coverage for rental reimbursement and roadside assistance.
Types of Fleet Business Auto Insurance Policies
There are several types of fleet business auto insurance policies available. The most common types are comprehensive, collision, liability, medical payments and uninsured motorist coverage.
Comprehensive coverage is the most comprehensive type of fleet business auto insurance policy. It covers losses from events such as theft, vandalism, fire, floods, hail storms and other natural disasters. Comprehensive coverage also includes coverage for damage caused by animals or birds.
Collision coverage provides protection from damage caused by a vehicle’s impact with another vehicle or object. It also covers damage caused by a rollover accident or an animal collision. Collision coverage typically pays for repairs to the damaged vehicle up to the stated limit of the policy.
Liability coverage provides protection from legal actions that arise from an accident involving one of your covered vehicles. This type of coverage will pay for medical expenses incurred by injured parties as well as property damage to other vehicles involved in the accident. Liability insurance usually comes with limits on the amount it will pay out in a single incident.
Medical Payments Coverage
Medical payments coverage helps cover medical expenses for you or your passengers following an accident involving your covered vehicle(s). This type of policy may also cover funeral expenses and lost wages if necessary. Medical payments coverage can be purchased alone or as part of a comprehensive policy package.
Uninsured Motorist Coverage
Uninsured motorist coverage provides protection when a driver without insurance causes an accident involving one of your covered vehicles. This type of policy pays for damages resulting from an accident where the at-fault driver does not have any insurance or does not have enough insurance to cover the full cost of damages caused by the accident. Uninsured motorist coverage is important for protecting yourself in case you are involved in an accident with an uninsured driver who cannot afford to pay the costs associated with it.
Rental Reimbursement Coverage
Rental reimbursement coverage helps cover the cost of renting a replacement vehicle while yours is being repaired after an accident or other covered event. This type of policy usually pays up to a certain dollar amount each day while your car is being repaired and has limits on how long it will pay out after a covered event occurs. Rental reimbursement policies can be purchased separately or bundled with comprehensive policies in order to save money on premiums paid over time.
Roadside Assistance Coverage
Roadside assistance coverage helps cover costs associated with emergency roadside services such as tow truck fees and fuel delivery when your car breaks down due to mechanical failure or other covered events like running out of gas or having a flat tire. Roadside assistance policies are usually offered as part of comprehensive policies and can be helpful if you need help getting back on the road quickly after experiencing car trouble while traveling away from home.
Fleet business auto insurance policies provide essential protection against financial losses due to accidents and other events related to owning or managing a fleet of vehicles. Different types of coverages are available depending on the specific needs of each business owner including comprehensive, collision, liability, medical payments and uninsured motorist coverages as well as rental reimbursement and roadside assistance options if desired. It is important to understand what type(s) of fleet business auto insurance policy best fits your company’s needs before making any decisions about purchasing one so that you can make sure you get the most value out of your investment.
Here are the state minimums for regular car insurance which may be a good starting point for the lowest Business Auto Policy Premiums.
1. Alabama – 25/50/25
2. Alaska – 50/100/25
3. Arizona – 15/30/10
4. Arkansas – 25/50/25
5. California – 15/30/5
6. Colorado – 25/50/15
7. Connecticut – 25/50/20
8. Delaware – 25/50/10
9. Florida – 10/20/10
10. Georgia – 25/50/25
11. Hawaii – 20/40/10
12. Idaho – 25/50/15
13. Illinois – 25/50/20
14. Indiana – 25/50/25
15. Iowa – 20/40/15
16. Kansas – 25/50/10
17. Kentucky – 25/50/25
18. Louisiana – 15/30/25
19. Maine – 50/100/25
20. Maryland – 30/60/15
21. Massachusetts – 20/40/5
22. Michigan – 20/40/10
23. Minnesota – 30/60/10
24. Mississippi – 25/50/25
25. Missouri – 25/50/25
26. Montana – 25/50/20
27. Nebraska – 25/50/25
28. Nevada – 25/50/20
29. New Hampshire – 25/50/25
30. New Jersey – 15/30/5
31. New Mexico – 25/50/10
32. New York – 25/50/10
33. North Carolina – 30/60/25
34. North Dakota – 25/50/25
35. Ohio – 25/50/25
36. Oklahoma – 25/50/25
37. Oregon – 25/50/20
38. Pennsylvania – 15/30/5
39. Rhode Island – 25/50/25
40. South Carolina – 25/50/25
41. South Dakota – 25/50/25
42. Tennessee – 25/50/15
43. Texas – 30/60/25
44. Utah – 25/65/15
45. Vermont – 25/50/10
46. Virginia – 25/50/20
47. Washington – 25/50/10
48. West Virginia – 25/50/25
49. Wisconsin – 25/50/10
50. Wyoming – 25/50/20
Business Auto Policy coverage’s are ideal for the following.
Architectural Consulting Services
Credit and Debt Counseling Services
Medical Billing Services
Real Estate Agents
Tax Return Preparation Services
Telemarketing and Research Services
Associations, Not for Profit
Carpet, Rug & Upholstery Cleaning
Commercial Art & Graphic Design
Direct Mail Services
Music & Art Studios
Photocopy, Duplicating Services
Communications Services Management Providers
Computer and Software Stores
Computer Facilities Management Services
Computer Integrated Systems Design
Computer Maintenance or Repairs
Computer/Peripheral Equipment Manufacturers
Computer Rental or Leasing
Data Communications Vendors
Internet Access Providers
Pre-Packaged Software – Development and Design
Web Site Design and Development Services
Auto Parts Stores
Card, Stationery & Office Supplies Stores
Costume/Formal Wear Rental Stores
Craft, Hobby & Artist Supplies Stores
Medical, Hospital & Surgical Supply Stores
Painting and Picture/Frame Stores
Sporting Goods Stores
Auto Parts Distributors
Industrial Supplies Distributors
Janitorial Supplies Distributors
Plumbing Fixture & Supplies Distributors
Cookies, Crackers, Pretzels & Other Dry
Bakery Products Mfg
Wood Products Mfg, NEC
Medical Billing Offices
Medical Management Consultants
Occupational Therapists’ Offices
Offices & Clinics of Doctors of Medicine
Book Stores (New)
Computer & Computer Software Stores
Custom Made Clothing Stores
Embroidering Of Advertising On Shirts, Etc.
Garden & Nursery Stores
Gift, Novelty & Souvenir Shops
Gourmet & Specialty Food Stores
Mailing or Packaging/Addressing Stores
Musical Instrument & Sheet Music Stores
Optical Goods Stores
Sporting Goods Stores
Accounting, CPA & Tax Preparation Services
Architects and Engineers
Insurance Agents, Brokers & Services
IT Staffing Firms
Real Estate Agents
Recruiters, Executive Placement Firms
Tax Return Preparation Services (Only)
Service Providers Business Auto Policy
Churches and Other Religious Organizations
Court Reporting (Stenographic) Services
Language Learning Centers
Publishing & Printing
Pet Training Services
Technology Services Business Auto Policy
Computer & Data Processing Consultants
Computer & Systems Consultants
Computer Programming Services
Custom Software Programming Services
Custom Computer Programs or
Software Development Services
Internet Access Providers
Audio/Visual Equipment Wholesalers
Electrical Apparatus and Equipment
Wiring Supplies Wholesalers
Gift & Novelty Souvenir Wholesalers
Hardware & Tools Wholesalers
Household Appliance Wholesalers
Janitorial Supplies Services
Packaged Specialty & Gourmet
Plastic & Rubber Goods Wholesalers
Wine & Liquor Wholesalers
If you need tractor trailer insurance visit Big Rig Insurance Programs for immediate help.
We have great success insuring Public Auto type companies in Alabama, Arkansas, Florida, Georgia, Iowa, Indiana, Kansas, Mississippi, Nebraska, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee and Virginia such as:
4 Wheel Drive Tours • Airport Shuttles • Athlete Buses • Bingo/Casino Transportation • Charter Buses • Church Buses • Courtesy Autos • Day Care Center Autos • Dial-A-Ride • Employee Transport • Group Home Autos • Head Start Program Autos • Hotel Shuttles • Kiddie Transport • Limousines (All Types) • Medical Courtesy Autos • Metropolitan Buses • Musician Buses • NEMT Non-Emergency Medical Transportation • School Buses (Private or Public Owned) • Senior Citizen Center Autos • Sightseeing Buses • Social Service Agencies • Taxis • Trolley Buses • Visiting Nurses • Wilderness Expeditions
Here are some common coverage’s to consider:
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
- Physical Damage
Physical damage coverage pays for damage to your vehicle.
- Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
- Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.
We’ll compare top companies offering business auto insurance policies by calling (844) 863-6154 where we work for you! Also available are General Liability Insurance Policies.