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Business Automobile

Whether your business depends on a single car or a small fleet of trucks, your business auto insurance should match your needs at a price you can afford.

Copeland Insurance Group offers fully customized business auto insurance that could include liability, physical damage, non-owned vehicle, and many other coverages designed specifically for small businesses like yours. We insure hundreds of business types including:

  • Realtors
  • Couriers
  • Florists
  • Contractors
  • Catering
  • Delivery Services
  • Carpenters
  • Plumbers
  • Restaurants
  • Wholesale Businesses
  • And many more.

Hitting the Brakes on Damages

An automotive mishap can expose your business to complex high exposure, putting its assets at risk. Without the right commercial vehicle insurance coverage, you as the business owner may even find yourself personally responsible.

Meanwhile, the loss of cars, vans, trucks or specialty vehicles can hamper your ability to operate your business, threaten hard-won customers and hurt business relationships. Accidents can damage your reputation, and put in question your concern for employee and public safety.

What types of vehicles need to be covered?

Essentially, any vehicle used for your business should be covered under a Business Auto policy.

What are some of the main coverages?

Liability

Liability coverage covers you for injuries to the “other guy” as well as damage to their vehicle from an accident where you were at fault.

Physical Damage Collision coverage covers damage to your vehicle from an accident. Comprehensive coverage covers damage from things like floods and hitting animals.

Medical Payments Some states provide for a small amount of coverage for you or your employees’ medical bills in the event of a vehicle accident.

Uninsured Motorist Uninsured motorist insurance pays for your injuries and damage to your vehicle if you are in an accident caused by an uninsured driver.

Hired Auto Hired Auto covers you for accidents you cause while driving rented vehicles for your business.

Non-Owned Auto Non-Owned Auto covers your business for accidents caused by your employees while driving their own vehicle for your business.