Commercial Auto Insurance

Commercial auto insurance is an essential protection for businesses that operate vehicles as part of their daily work, safeguarding them from financial losses due to accidents, theft, and a wide variety of risks.^1

What Is Commercial Auto Insurance?

Commercial auto insurance is specifically designed to provide coverage for vehicles used by businesses, ranging from delivery vans to large fleets of trucks. It protects both the vehicles and the people driving them, ensuring operational security even when unexpected incidents occur.^2

Types of Coverage

• Liability Coverage: Covers bodily injury and property damage that business vehicles might cause to others in an accident, including medical expenses, legal fees, and repair costs.^1

• Collision Coverage: Pays for damage to business vehicles resulting from a collision, regardless of fault.^2

• Comprehensive Coverage: Protects against damages not related to collisions, such as theft, vandalism, natural disasters, or fire.^1

• Medical Payments Coverage: Covers medical expenses for drivers and passengers in the event of an accident.^2

• Uninsured/Underinsured Motorist Coverage: Provides protection if business vehicles are involved in accidents with drivers who have inadequate or no insurance.^1

• Hired and Non-Owned Auto Coverage: Extends liability coverage to vehicles rented, leased, or borrowed for business use, including personal vehicles used for business purposes.^2

Businesses can also enhance their commercial auto insurance policy with endorsements like roadside assistance, rental reimbursement, and gap coverage for leased vehicles.^3

Who Needs Commercial Auto Insurance?

Any business that owns, leases, or utilizes vehicles to deliver goods, transport employees, visit clients, or carry out services should have commercial auto coverage. Industries requiring this insurance include:^2

• Delivery and courier services

• Contractors and construction

• Sales, real estate, and service providers

• Medical transport and healthcare

• Food and beverage delivery^2

Why Is It So Important?

• Financial Protection: Accidents involving commercial vehicles can result in substantial expenses—insurance mitigates these costs and protects business assets.^1

• Legal Compliance: Most states require a minimum level of commercial auto insurance for business vehicles, making compliance crucial.^1

• Risk Management: Business vehicle operation carries inherent risks; insurance shields your enterprise from potential interruptions and liabilities.^2

• Employee Safety: Coverage is extended to employees, assuring their well-being and morale.^2

• Business Continuity: Repair or replacement coverage ensures minimal disruption to operations after a loss.^2

Why Choose Pacific Insurance?

Pacific Insurance provides commercial auto policies that combine competitive rates, comprehensive coverage, and responsive customer service tailored to the needs of modern businesses. Clients regularly cite Pacific’s:^4

• Reduced premiums without sacrificing key coverages^4

• Efficient claims handling and seamless transitions from other brokers^4

• Specialized expertise for businesses with complex transportation needs, like commercial freight brokers^4

For businesses seeking protection and reliability, Pacific Insurance's commitment to strong coverage, practical terms, and exceptional customer support makes it the clear choice.^4

Call Pacific Insurance today: (801) 561-5550

Website: https://pacificinsuranceinc.com/