Protect Your Business with the Right Commercial Auto Insurance

At Abbott Insurance, we know your business depends on reliable vehicles to keep things running smoothly. Whether you have a fleet of delivery vans, service trucks, or company cars, the right Commercial Auto Insurance is essential.

Our friendly team in Kansas City specializes in helping businesses like yours find affordable, customized coverage that protects your vehicles, drivers, and bottom line.

Does Your Business Need Commercial Auto Insurance? Here’s How to Know

If you use vehicles for business purposes, standard personal auto insurance won’t cover you. Commercial Auto Insurance is designed to protect businesses that:

✅ Use vehicles for deliveries, client meetings, or transporting equipment

✅ Own or lease company vehicles

✅ Have employees who drive for work

✅ Operate a business that relies on transportation

Industries We Commonly Serve:

🏗️ Contractors & Construction

📦 Tax and Insurance Professionals

🚖 IT and Technology Professionals

🏡 Real Estate & Sales Professionals

🔧 Plumbers, Electricians, & HVAC Technicians

No matter the size of your business, the right coverage keeps you compliant with Missouri and Kansas laws while protecting you from costly out-of-pocket expenses.

What Does Commercial Auto Insurance Cover?

Every business has unique insurance needs, which is why we offer customized policies tailored to your industry and vehicle type.

Liability Insurance

If one of your drivers causes an accident, this coverage helps pay for:

🚑 Bodily Injury Liability – Covers medical expenses for injured third parties
🚗 Property Damage Liability – Pays for damages to other vehicles or property

Collision Coverage

Covers your commercial vehicle’s repair costs after an accident—regardless of fault.

Comprehensive Coverage

Protects against non-collision incidents, including:

🔑 Theft

🎨 Vandalism

🌪️ Fire, extreme weather, or falling objects

Medical Payments Coverage (MedPay)

Covers medical expenses for you and your passengers, no matter who caused the accident.

Uninsured/Underinsured Motorist Coverage

If another driver doesn’t have insurance (or not enough), this coverage helps protect you from financial loss.

Beyond the Basics: Extra Protection for Business Vehicles

Motor Truck Cargo Insurance

If your business transports goods, equipment, or materials, this coverage protects the cargo itself from:

✔️ Theft

✔️ Fire

✔️ Accidental damage

✔️ Water damage from road conditions

💡 Ideal for: Freight carriers, delivery services, and moving companies.

State & Federal Filings (MCS-90, ICC, SR-22, etc.)

Some businesses require state or federal filings for legal compliance. We help with:

📌 MCS-90 – Required for interstate trucking under FMCSA regulations

📌 ICC Filings – Needed for businesses operating across state lines

📌 SR-22 – Proof of financial responsibility for businesses or drivers that need it

Occupational Accident Coverage (OAC)

Not all businesses have access to workers’ compensation—but OAC provides:

✅ Medical expenses for work-related injuries

✅ Disability benefits

✅ Accidental death benefits

💡 Independent contractors, owner-operators, and businesses without traditional workers’ compensation insurance.

Why Choose Abbott Insurance

We’re a locally trusted, independent insurance agency in Kansas City with a passion for helping small businesses thrive. When you work with us, you get:

✔ Personalized Service – We tailor policies to fit your exact business needs.

✔ Competitive Rates – We shop multiple providers to find the best coverage at the best price.

✔ Expert Advice – Our team understands the unique risks of Kansas City businesses.

Call us today and we will make sure you have the coverage you need.