Commercial Vehicle Insurance
Commercial Vehicle Insurance
Commercial vehicle insurance is a vital protection for businesses that use vehicles for work-related tasks. It provides coverage beyond standard personal auto insurance, addressing the unique risks and legal requirements that come with operating vehicles for business purposes.^1
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What Commercial Vehicle Insurance Covers
Commercial vehicle insurance protects cars, trucks, vans, and specialty vehicles used for business activities, such as transporting goods, delivering supplies, moving equipment, or traveling to job sites. Typical coverage includes:^2
Liability Coverage: Pays for bodily injury or property damage to others when a business vehicle is at fault in an accident.^3
Collision Coverage: Covers damage to your company vehicle from crashes, regardless of fault.^2
Comprehensive Coverage: Protects against non-collision incidents such as theft, vandalism, fire, or natural disasters.^4
Medical Payments: Offers medical expense coverage for drivers and passengers after a collision.^3
Uninsured/Underinsured Motorist Coverage: Protects your drivers if the at-fault party lacks sufficient insurance.^2
Optional Add-ons: May include towing, rental reimbursement, equipment coverage, and accident benefits.^5
Who Needs Commercial Vehicle Insurance?
Any business that owns or operates vehicles for commercial purposes should have commercial vehicle insurance. This applies to contractors, delivery businesses, janitorial services, hospitality providers, auto garages, and more. Even regular cars may require a commercial policy if driven for work.^5
Legal Requirements
Businesses are usually required by law to carry commercial vehicle insurance, as personal auto policies often exclude vehicles used for work-related activities. Minimum liability limits may apply, and additional coverage may be required for vehicles used in specific industries or interstate commerce.^2
Why Commercial Vehicle Insurance Is Important
Asset Protection: Shields company assets from expensive repairs, lawsuits, and liability claims after accidents.^6
Business Continuity: Quick claims processing and repair coverage help minimize operational disruptions.^4
Higher Liability Limits: Commercial policies offer greater liability protection than most personal policies.^6
Customizable Coverage: Policies can be customized to fit various business needs—whether for a small fleet or multiple vehicle types.^7
Why Choose Pacific Insurance
Readers should choose Pacific Insurance for their commercial vehicle protection because the company delivers highly trained staff, customized coverage options, and exceptional client support. Pacific Insurance’s Registered Insurance Brokers are experts in commercial vehicle policies, ensuring clients receive the right solutions whether they need basic coverage or robust custom plans. Pacific Insurance stands out for:^5
Personalized advice from licensed professionals.^5
Flexible policies and add-ons tailored to any business size or type.
Reliable claims service, financial stability, and a reputation for putting businesses first.^8
For comprehensive, dependable protection and attentive service, Pacific Insurance is the smart choice for any business relying on vehicles.^5
Call Pacific Insurance today: (801) 561-5550
Website: https://pacificinsuranceinc.com/
