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BUSINESS AUTO INSURANCE

Coverage for Business-Related Needs

If you use your vehicle beyond commuting to and from work, you need a Business Auto Insurance policy. If you own a car or fleet of vehicles exclusively used for business, you need Commercial Auto Insurance. AIS Business Specialists can customize a policy that’s right for you.

Basic Coverages

Standard Auto Insurance will not protect your business finances the way Auto Insurance for Business can. AIS Business Specialists are here to help you choose the coverages you need for the work you do.

Additional Coverages

Many of the following are useful for protecting your business: Single Deductible, Non-owned Vehicle, Hired Auto, Down-Time Rental and Cargo.

Understanding Auto Insurance Coverage

Insurance is the contractual transfer of the financial consequences of loss to another party. When you buy Business Auto Insurance, an insurance company is promising its duties, exclusions and conditions under which they will cover you in the event of a loss.

Business Auto Insurance provides additional coverage that a regular personal auto policy cannot. In fact, even other drivers and vehicles not owned by your business may be covered in work-related incidents. In addition, cargo being transported may also be covered.

Here are the types of insurance coverages you can buy:

Bodily Injury Liability

Coverage for physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.

Property Damage Liability

Coverage that pays for damage or destruction including loss of use of a Third Party's property. Reduction in value is the measure of property damage.

Collision

Coverage that pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This coverage is often subject to a deductible.

Comprehensive

Coverage that pays for direct and accidental damage to the insured's automobile other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.

Uninsured & Underinsured Motorist

This coverage (a) pays for the insured’s injuries caused by an accident deemed the fault of an uninsured motorist, (b) covers the bodily-injury expense of the insured and passengers in his/her vehicle. This type of coverage is generally written with a per-person and per-occurrence limit.

Personal Injury Protection (PIP)

Within specified limits, PIP is coverage that pays the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is required in no-fault insurance states.

Non-Owned Vehicle Coverages

This is a collection of coverages that extends your Business Car Insurance to protect you and your employees when driving in a vehicle that is not owned by the company.

Hired Auto

This extends your coverage onto a vehicle that you, or your employee, rent for work purposes. For example: Your company needs to complete a construction job and you rent a truck to complete the job on time and want coverage extended to that rented vehicle. Another example: Your employee has an out-of-state trip and you want to extend coverage onto the rental car on that business trip.

Down-Time Rental

This is typically a great option for truckers. This type of coverage pays an established amount for loss of income due to not having an operational vehicle. For example: Your truck is involved in an accident and you can’t get a temporary truck, therefore you’re not able to work and lose $350 of pay each day without Down-Time Rental coverage.

Cargo Coverage

This coverage covers your cargo—whether it’s Amazon boxes, cars, clothes or other merchandise. You choose your coverage amount and your policy covers you for the specified amount in the case you suffer a cargo loss.

Additional Insured Certificates

This certificate is for adding an additional insured party, not just an additional driver. The additional insured party can be anyone that seeks to be protected in the case of an accident, whether or not they drive the vehicle. Such can be the case with companies, affiliates or any party who has a financial interest in your operations.

Why Do You Need AIS?

Whether you’re using your own car for work or you have a fleet to your business name, AIS can help you find the right auto coverage to suit your needs. Choosing an Auto Insurance policy for your business can be more complicated than buying an individual policy. Call our licensed Business Insurance Specialists to see how much money we can help you save while providing the best coverage for your company’s Auto Insurance needs.

Additional Insurance Coverages to Bundle

Wouldn’t it be great if you could save money on insuring your business and all of its assets? At AIS, we find affordable coverage for a wide variety of businesses.

We compare the best rates from multiple trusted carriers, so you know you’re getting the best protection for the best price.

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