Commercial Auto Insurance

Since commercial automobile Insurance coverage varies, Specht Insurance Group, Ltd. will discuss your business with you and help you determine the proper amount of coverage for all your commercial needs.

There are three different types of commercial automobile policies

Business auto coverage is the most common type of commercial automobile insurance.  Available coverages include liability, medical payments/personal injury protection, uninsured motorists, underinsured motorists, collision, comprehensive, towing and rental reimbursement.

Garage coverage is designed to meet the special needs of businesses engaged in selling, servicing, storing or parking vehicles.  It is more than just an automobile policy as it also provides liability insurance for the operations.

Motor carrier coverage is designed for businesses that provide transportation by vehicles – including common carriers, contract carriers and private carriers that transport their own property.

<strong>What should my business auto policy cover?</strong>

What should my business auto policy cover?

Commercial auto insurance coverage may include:

  • Liability
  • Comprehensive
  • Collision
  • Medical Payments
  • Uninsured and Underinsured
  • Roadside Assistance
  • Loss of Use
  • Business Interruption

Liability Insurance

Insurance coverage that helps to cover the financial responsibility if you or an employee is at fault in an automobile accident that results in bodily injury or property damage.

Comprehensive Coverage

Coverage that helps to repair or replace your vehicle if it’s damaged in an accident (other than a collision) or is stolen. Examples of collision coverage include fire, vandalism and falling objects.

Collision Coverage

Actual cash value coverage that helps to repair or replace your vehicle if it’s damaged in a collision, regardless of who is at fault.

Medical Payments

Coverage that helps to pay for medical expenses for you or your passengers if injured in an automobile accident.

Uninsured Motorist Coverage

helps you to pay for your injuries or damages to your vehicle caused by a driver that does not have insurance coverage.

Underinsured Motorist Coverage

Protection in the event that you are involved in an automobile accident with someone that does not have sufficient insurance of their own.

Roadside Assistantance

Insurance coverage for basic tasks such as towing, unlocking your car, etc. that can get you back out on the road if you are stranded.

Loss of Use Coverage

Insurance that provides coverage for reimbursement of a rental vehicle following an automobile accident.

Business Interruption Coverage

Coverage for loss of income to your business resulting from a suspension of operations due to damage to a covered auto.

What to expect from our company

At our firm, you’ll speak with an experienced agent whose goal is to help you design a policy to fit to your particular business needs.

Whether your commercial vehicle is a daily necessity, a possible new venture, or for occasional use, we are here to make sure coverage is applicable and answer any questions you may have.

Answer this one question:

Can you afford to expose your business or your employees to this high-level of risk? If the answer is “no,” we can help.

Why we're different 

Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.