Commercial Auto

Commercial AutoCommercial Auto Liability:

Provides protection for bodily injury and property damage to others caused by the maintenance or use, including loading or unloading of your company owned autos. It also provides protection for covered pollution costs and expense.

Uninsured Motorist Coverage:

Provides protection, as required by state law, for damages sustained by the insured that result from an accident caused by an “uninsured” motorist.

Underinsured Motorist Coverage:

Provides protection, as required by state law, for damages sustained by the insured that result from an accident caused by a driver whose automobile liability limits are inadequate.

Physical Damage Coverage:

Protects your owned autos against accidental loss or damage based on selected perils:

  • Collision- Losses caused by the collision of your covered auto with another object or the overturn of a covered auto.
  • Comprehensive- : Losses caused by any cause of loss other than collision or overturn. Collision with an animal, bird or falling object is covered under the comprehensive coverage.
  • Specified Causes of Loss- Losses Caused by:
    1. Fire lightening or explosion
    2. Theft
    3. Windstorm, Hail or Earthquake
    4. Flood
    5. Vandalism and Malicious Mischief
    6. Sinking, burning, collision or derailment of conveyance transporting a covered auto
  • Medical Payments- Provides payment for the necessary medical services to an insured as a result of an auto accident, regardless of who is legally liable.

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