Do I Need Commercial Auto Insurance? The Benefits of Commercial Vehicle Protection

For the majority of businesses, vehicles – whether leased, rented or owned – play a vital role in accomplishing a variety of tasks. From hauling goods for delivery to transporting materials to worksites or simply driving to meet clients – safe and reliable vehicles are needed to serve customers and drive profits.

Having proper insurance coverage is vital to properly protect your drivers and vehicles. That’s why so  many successful organizations rely upon commercial auto insurance, which can provide a number of benefits. If you’d like to learn more about commercial auto insurance coverage, contact the experts at Dwight Andrus Insurance. With over 75 years in business, we have the experience and expertise to provide your company with the best coverage possible. 


Liability Coverage 

Collisions go beyond the impact on vehicles – they can also cause serious damage to property near the accident scene or other valuables. Commercial auto insurance can provide you with a full range of protection in case you damage someone else’s vehicle or property in an accident.

Physical Damage and Collision Protection 

When an accident happens, you or your employee may need to pay for vehicle repairs – for both your own vehicle and the one you hit. Regardless of who is at fault, commercial auto insurance can reimburse you for the costs of vehicle repairs following an accident. Some policies also provide coverage for uninsured and underinsured motorists – giving you an even higher level of protection.

Medical Payment and Lawsuit Coverage 

Auto accidents can result in bodily harm and significant medical costs for you and the other people involved. Commercial auto insurance can provide you with protection for these expenses by covering medical costs, lost wages and legal expenses if a lawsuit is filed against you.

Comprehensive Coverage

While collisions are the most common cause of damage to your business vehicles, there are other risks to consider as well. Comprehensive coverage can provide you protection against damages created by other causes, such as theft, vandalism, floods and fires.

Protection Beyond Personal Auto Insurance Policies

Many people don’t realize that personal auto insurance does not provide adequate coverage for accidents that happen while policyholders are driving for business purposes. If you don’t have commercial auto coverage, you may have to pay out of pocket if your employees get in an accident while picking up supplies, making deliveries or using a vehicle to perform any type of function related to your business.

Optional Add-ons for Even More Security

While having standard protection for collisions is vital, most commercial auto insurance policies can be customized to meet your unique needs. Some of the most common policy add-ons include new vehicle replacement coverage, roadside assistance coverage, towing reimbursement, rental reimbursement and gap coverage for auto loans or leases.


Remember that commercial auto insurance isn’t just for large fleets of vehicles. Any car, truck, van or similar motorized vehicle used as part of your business operations needs to be covered by insurance. Contact Dwight Andrus Insurance today to learn more about commercial auto insurance and how to secure the best policy for your business.