Commercial Automobile Insurance

There are three different types of commercial automobile policies: business auto coverage, garage coverage and motor carrier coverage.

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.

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.

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

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.