Princess Anne Office

30386 Mt. Vernon Road

Princess Anne, MD 21853

Commercial Auto Insurance

Commercial auto insurance is liability and physical damage protection for vehicles that are used for your business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like dump trucks; if you  use a car to run errands, carry tools or transport clients for your business, you may also need a commercial auto policy.

A business auto insurance policy and a personal vehicle insurance policy are two very different types of insurance coverage's. Often, with a business auto insurance policy, there are there multiple vehicles to cover, as well as the liability from accidents or claims that will extend to your business as a whole, which could be much more costly.

At Landmark Insurance & Financial Group, we are here to make sure your coverage levels for your commercial auto insurance are high enough to protect your business from claims—even those which are unwarranted—to ensure you avoid a devastating loss.

A business auto insurance policy usually offers four major types of protection:

  • Auto liability coverage can help pay for property damage or bodily injury you cause. It can also help pay for accident-related legal expenses, such as attorney fees or settlement costs.
  • Medical payment coverage can cover medical bills if you or your passengers are injured in a car crash, regardless of fault.
  • Physical damage and collision coverage can pay for repairs if your vehicle is damaged by something other than a car accident. For example, theft, vandalism, certain weather events, and collisions with an object are usually covered incidents.
  • Uninsured motorist coverage can help pay for damage to your car or bodily injuries you suffer if somebody who doesn't have insurance hits your vehicle

In addition, it might be necessary to add:

  • Hired-Non Owned coverage
  • Roadside assistance
  • Rental coverage or other types of additional coverages specific to your business. 
  • Collision 
  • Comprehensive Coverage-  Comprehensive is everything other than collision, such as fire, theft, windshield repair or replacement.