Commercial Auto Insurance
Commercial Auto Insurance Information
Commercial auto insurance can provide essential coverage for your business’s use of vehicles, including cars, trucks and vans. The team of professionals at Esplanade Insurance Agency, Inc. in Metairie, LA, can work with you to find the policy that fits your needs. Contact us today for more information.
Why Do I Need Commercial Auto Insurance?
State laws dictate the amount of necessary commercial auto insurance and personal auto policies generally do not cover business uses of automobiles.
Commercial auto coverage may help pay for expenses that arise from accidents, including medical costs, legal fees and repairs for damaged property. It may also provide protections for losses related to vandalism, theft or other exposures.
What’s Covered Under Commercial Auto Insurance?
Commercial auto insurance policies vary, but they typically offer several types of coverage, including:
Liability coverage—This may provide coverage if the driver of your business’s vehicle is at fault in an auto accident. It may help pay for the bodily injuries or property damage of third parties.
Collision coverage—This may help pay for damage to your business’s vehicles caused by collisions with other vehicles or objects.
Comprehensive coverage—This may help pay for the non-collision losses (e.g., vandalism, theft and fire damage) of your business’s vehicles.
Medical payments coverage—This may help pay the medical bills for the driver and passengers of your business’s vehicle after an accident, regardless of fault.
Uninsured/underinsured motorist (UM/UIM) coverage—This may provide coverage if the driver of the other vehicle does not have insurance or does not have enough insurance to cover the cost of damages.
Depending on your business’s needs, you may consider other policies and endorsements, such as:
Rental car reimbursement
Your agent can discuss available options, limits and exclusions. Contact us today for details.
How Much Does Commercial Auto Insurance Cost?
The cost of commercial auto insurance depends on various factors, including:
The value the insured vehicles
The number of insured vehicles
How the insured vehicles will be used
The selected coverages and limits
The location of your business
Contact Us Today
The professionals at Esplanade Insurance Agency are ready to work with you to find the proper commercial auto insurance policy that fits your budget. Contact us today to get started.