Commercial Auto Insurance in West Chatham, MA

Commercial auto insurance may help mitigate the financial impact of accidents, damage or legal claims involving business vehicles. If your company owns vehicles or employees drive for work-related tasks, this type of insurance is worth considering.

What Does Commercial Auto Insurance Cover?

A robust commercial auto policy often includes multiple types of coverage, such as the following:

• Liability coverage may pay third parties’ repair costs and medical expenses following an accident where your driver is at fault. This may also cover your legal fees if the accident leads to a lawsuit.
• Collision coverage may help pay for your vehicle’s repair or replacement expenses after a crash.
• Comprehensive coverage may cover financial losses if non-collision events like fire, vandalism or severe weather damage your vehicle.
• Uninsured/underinsured motorist coverage may help with accident-related expenses if an inadequately insured driver hits your vehicle.
• Hired and non-owned auto coverage may cover liability in accidents involving vehicles your business rents or employees’ personal vehicles used for work.

Commercial auto insurance has limits on what it may cover. Most policies won’t pay for damage caused by intentional acts, personal use of business vehicles or mechanical breakdowns unrelated to accidents. Coverage also typically excludes items inside the vehicle, like tools or inventory, and accidents outside the designated area.

Factors to Consider Before Getting a Policy

Before choosing a policy, consider how your vehicles are used daily. Consider the number of drivers, types of vehicles and the areas where they operate. Review coverage limits and exclusions carefully and compare plans from different providers to find one that fits your business model. It’s also helpful to check how claims are handled and what support is available.

Secure a Policy Today

Contact Cape Wide Insurance today to help assess your risks and coverage needs. Our agents can discuss available options and recommend suitable policies.