Business Auto Insurance

Business Auto Insurance: Essential Coverage for Your Business Vehicles

Protecting your vehicles and your business from unexpected risks is critical as a business owner. Business auto insurance provides robust coverage designed specifically for vehicles used in your operations, ensuring your assets and employees are safeguarded.

What Makes Business Auto Insurance Unique?

Unlike personal auto policies, a business auto insurance policy offers specialized coverage options essential for commercial operations, including:

• Symbol 1 (Any Auto) Liability: Comprehensive liability coverage for all vehicles used in your business, including owned, non-owned, and hired autos.
• Symbols 8 and 9 (Hired and Non-Owned Auto Liability): Coverage for liability arising from vehicles you rent, hire, or that employees use for business purposes but don’t own.
• Blanket Additional Named Insured Endorsements: Automatically extends coverage to additional insureds as contract or agreement requires.
• Primary and Non-Contributory Wording Endorsements ensure that your business auto policy responds first in claims without sharing the burden with other policies.
• Waiver of Subrogation Endorsements: Prevents your insurer from pursuing recovery from other parties, as specific contracts require.
• Drive Other Car Endorsement: This endorsement extends coverage to employees or executives driving non-business-owned vehicles, such as personal or rental cars.
• Elevated Liability Limits: Offers higher coverage limits, such as $1,000,000 or more, to protect against significant financial exposure.

Core Coverages for Your Business Vehicles

In addition to these unique features, business auto insurance typically includes:

• Bodily Injury Liability: This covers medical expenses, legal fees, and damages if your business vehicle is involved in an at-fault accident that causes injuries.
• Property Damage Liability: Pays for damages to another person’s property caused by your vehicle.
• Collision Coverage: Covers repair costs for your business vehicles involved in accidents, regardless of fault.
• Comprehensive Coverage: Protects against theft, vandalism, natural disasters, and other non-collision-related damages.
• Uninsured/Underinsured Motorist Coverage: Ensures compensation when an at-fault driver lacks sufficient insurance.
• Medical Payments (Med Pay): Covers medical and funeral expenses for drivers and passengers in your vehicles.

Why You Need Business Auto Insurance

Personal auto policies often exclude coverage for vehicles used in business operations. Securing a business auto insurance policy gives you access to protection tailored to commercial needs. Whether you’re operating delivery vans, service trucks, or employee cars, having the right coverage ensures your business remains financially secure.

Get Started Today

At Fusco Orsini & Associates, we specialize in creating customized business auto insurance solutions. Call us at (858) 384-1506 to discuss your needs, or complete the form below, and secure comprehensive coverage tailored to your business. Let us help you protect your vehicles, employees, and bottom line.