COMMERCIAL AUTOINSURANCE

Missouri Commercial Auto Insurance: Protect Your Business on the Road

If your business relies on vehicles for deliveries, transporting goods, or providing services, then having a Commercial Auto Insurance policy is essential. This coverage helps protect your vehicles, drivers, and business from potential financial losses due to accidents or other incidents involving your vehicles.

What Does Commercial Auto Insurance Cover?

Commercial Auto Insurance offers protection similar to a personal auto policy but is specifically designed for vehicles used in business operations. Coverage options include:

1. Liability Coverage: Protects against bodily injury and property damage claims if one of your drivers is at fault in an accident while operating a company vehicle.
2. Collision Coverage: Pays for damages to your business vehicles if they are involved in an accident, regardless of who is at fault.
3. Comprehensive Coverage: Covers non-collision-related incidents, such as theft, vandalism, fire, and damage from natural disasters.
4. Uninsured/Underinsured Motorist Coverage: Offers protection if your business vehicle is hit by a driver who has no insurance or insufficient coverage.
5. Medical Payments (MedPay): Helps cover medical expenses for your driver and passengers after an accident, regardless of fault.
6. Hired and Non-Owned Auto Coverage: Protects your business when employees use their personal vehicles for work tasks.

Do You Need Commercial Auto Insurance?

Many business owners assume that a personal auto policy or general liability coverage is sufficient. However, personal auto policies typically exclude claims related to business use, and general liability policies do not cover vehicle-related incidents. Here’s why a Commercial Auto Policy is necessary:

• Business Use Exclusions: Personal auto policies often have exclusions for vehicles used primarily for business purposes. If an accident occurs while making a delivery or transporting work equipment, you may not be covered.
• Liability Protection: A general liability policy does not address accidents involving vehicles, making it critical to have specific coverage for business-related driving incidents.
• Cargo Coverage: If you’re transporting tools, equipment, or goods, keep in mind that a Commercial Auto Policy does not cover the contents of your vehicle. You may need additional coverage like Inland Marine Insurance to protect business property in transit.

Common Misconceptions About Commercial Auto Insurance

Here are a few myths debunked to help clarify the need for proper coverage:

• “I Have General Liability, So I’m Covered”: General liability only covers incidents on your business premises or related to your services—not vehicle accidents.
• “My Personal Auto Insurance Covers Business Use”: Most personal auto policies exclude business use, leaving you vulnerable if you rely on your vehicle for work.
• “Commercial Auto Covers My Cargo”: Commercial Auto Insurance covers the vehicle and liability for accidents, but not the contents. For inventory or equipment, consider additional coverage.

Get the Right Commercial Auto Insurance for Your Business

At Stocker Insurance, we understand that every business has unique needs. As an independent agency, we work with top-rated insurers to find the right Commercial Auto coverage for you. Our team can:

• Provide Multiple Quotes: Compare rates and coverage options from leading insurance providers.
• Customize Your Policy: Tailor coverage to meet your specific business needs, whether you have one vehicle or an entire fleet.
• Offer Expert Advice: Guide you through the process and answer any questions you have about your coverage.

Get a Free Quote Today

Ready to protect your business on the road? Contact Stocker Insurance today to get a customized quote for your Commercial Auto Insurance needs. Our licensed agents are here to help you find the best coverage at a competitive price.

Call us now or check out the form below to start your free quote. Your business deserves the best protection—let us help you find it.