Abbott Insurance Kansas City

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8117 N Oak Trfy, Kansas City, MO 64118
1-090-1197-9528
office@ourbusiness.com

Commercial Auto Insurance

Small business auto insurance protects a wide range of vehicle types. Just about any vehicle you drive or trailer you pull can be covered.

Knowing what type of insurance a business needs is essential, and deciding whether your business even requires a commercial auto insurance quote for a policy can be challenging. We can help you assess your needs and evaluate your options regarding insurance for commercial vehicles.

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Who Should Consider Small Business Auto Insurance?

Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business, or you are in the for-hire transportation industry.

What Does Commercial Auto Insurance Cover??

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Medical Payments, No-Fault, or Personal Injury Coverage
  • Uninsured Motorist Coverage
  • Comprehensive Physical Damage Coverage
  • Collision Coverage

Commonly Asked Questions

Why Does Your Company Need Small Business Car Insurance?

Small business car insurance is necessary for any company that uses vehicles in its work. Suppose you don’t have proper commercial auto liability insurance coverage, you can end up paying for vehicle repairs, injuries, and other expenses out of pocket—costs that can be devastating to a small business.

What is the Difference Between Commercial and Personal Auto Insurance?

Both commercial vehicle insurance policies and personal auto policies provide coverage for liability, collision, comprehensive medical payments (or personal injury protection), and uninsured motorist exposures (sometimes underinsured motorists, too). However, a commercial auto insurance policy may be very different from your personal auto policy due to separate eligibility criteria, definitions, coverages, exclusions, and limits.

What’s not Covered by Small Business Auto Insurance?
  • Intended or expected property damage or injuries
  • Racing
  • Mobile equipment operation
  • Injuries covered under workers' compensation
  • Hired and non-owned vehicles
Is my business vehicle covered by my commercial auto policy when I’m using it for personal activities?

With the right policy, Commercial auto insurance can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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