Commercial Vehicle Insurance
At Atchley Insurance we offer several different Commercial Automobile Insurance Carriers to meet the needs of your business. Since each Commercial Automobile Insurance Company is different and each Commercial Automobile Insurance Carrier has different rates and target markets, we have found it is important to offer our customers several different options. Whether you need insurance for a fleet of trucks or cars used in your business or you have a difficult class of business to insure we have a program that will meet your needs. Below is a list of some of the markets we offer:
- Mercury Casualty Company
- Golden Eagle Insurance Company
- Safeco Insurance Company
- Progressive
- Century National Insurance Company
- Explorer Insurance Company
- Unitrin Specialty Insurance Company
- GMAC Insurance Company
- Infinity Insurance Company
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Commercial Auto Insurance Policies can include collision and damage coverage as well as coverage for property and personal damage to others.
Just like you need auto insurance for your own car, you need business auto insurance or commercial auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your commercial automobile, you may be liable for bodily injuries, lost wages or any damage caused.
Typical Commercial Auto Coverage includes:
Bodily Injury Liability – Coverage for damages that involve bodily injury to others for which you are responsible for by law.
Property Damage Liability – Coverage for damage to property of others for which you are responsible for by law.
Medical Payments – Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
Other Commercial Auto Insurance coverage that may be obtained include:
Comprehensive – Protection for the loss of or damage to your commercial vehicle and its permanently attached equipment from all causes except collision, subject to the commercial insurance policy deductible.
Collision – Protection for the collision damage to your commercial automobile and its permanently attached equipment, subject to the commercial insurance policy deductible.
Uninsured Motorist – Under your commercial auto policy this coverage allows you to recover bodily injury damages to you or your employee due to an accident where the other party does not have insurance, and is found legally liable.
Underinsured Motorist – Under your commercial auto policy this coverage allows you to recover bodily injury damages to you or your employee due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense – Coverage for necessary additional expenses incurred as a result of a loss to your commercial auto for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses and can include towing for your commercial automobile.
Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of or loaned to the named insured or business.
Hired Auto Physical Damage – Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured’s business.
Employer’s Non-Ownership Liability – Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
