From 4 wheels to 18 wheels – Commercial Auto Insurance

Owning your own business is great and having vehicles for your business can be a huge asset. But just like your personal vehicles, your commercial automobiles need to be protected.

Your personal auto insurance policy won’t cover you if you are using your car for business. Accidents happen, and costs can add up quickly. That’s why commercial auto insurance is helpful. It has the same parts as a personal auto policy, but it covers your commercial vehicles instead.

Getting the Best Commercial Auto Insurance

Getting the right insurance is the difference between being stuck with paperwork and getting out on the road again. Cross Insurance Agency wants to take the surprise out of buying commercial auto insurance; our licensed agents assess all your commercial auto insurance options, so you don’t have to worry about whether you’re getting the best coverage for the best price.

We’ve been helping people with their insurance for over 24 years, so we know our way around the block – we even have a fantastic Trucking and Transportation agent Abby Johnson to help you with truck insurance! You can trust us to help you pick the best auto insurance, guide you through claims, and review your policies.

Cross Insurance Agency is an independent agency, so we work for you, meaning you get the best insurance possible from experienced agents who love what they do.

One thing we always hope to provide is the right information for you to make an informed decision about your commercial auto insurance – here’s what commercial auto insurance covers:

Collision/Comprehensive Coverage

This coverage pays for damage to your automobile.

• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive coverage insures you against anything other than collision damage, like physical damage by events like fire, theft, a flood, or vandalism.

Collision and comprehensive coverage usually include a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage exceeding the deductible you selected. The higher the deductible, the lower the premium.

Liability

This coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident. This type of coverage is required in every state, although the requirements for how much injury vs. personal property coverage you need varies for each state.

If you need more than just the coverage above, like if you or your employees frequently drive rented vehicles, don’t worry! You can add additional coverage as needed to make sure you’re protected.

Commercial Trucks We Insure

From private carrier insurance, owner operator insurance, or motor carrier insurance, we can help you find the best carriers who insure:

Need Truck Insurance Filings?

An insurance filing is a mandatory document that proves to the government that you have sufficient insurance protection for your truck. Unfortunately, they’re often confusing and hard to complete.

That’s why we’ve partnered with companies like Progressive, who offer state and federal filings assistance for commercial truck insurance. We also have many other companies who make the filing process easy.

Get a quote from an agent today to get all the help you need when insuring your commercial vehicle!

Still have questions about coverage? Look no further than our FAQ list below for answers about commercial auto insurance.

Frequently Asked Questions about Commercial Auto Insurance

What types of vehicles require commercial auto insurance?

Most states require commercial auto insurance for commercial vehicles. You should check out the laws in your state regarding what counts as a commercial vehicle first. For example, in Washington state if you use a vehicle to ferry merchandise, products, or passengers, then your vehicle counts as commercial and will need commercial auto insurance.

In other states, they may define a commercial vehicle by the vehicle type instead of the usage. The good news is, you don’t have to worry if a certain type of vehicle can be covered – commercial auto insurance can cover any type of vehicle listed above, from box trucks to flatbed trailers.

How much does commercial auto insurance cost?

It depends on your situation, including the number of vehicles you have to insure, where your company is located, and who drives your vehicles, among other things. Talk to a licensed agent to determine the level of coverage and options you need for your commercial auto.

How much commercial auto insurance coverage do I need?

It depends on your situation. Talk to a licensed agent to determine the level of coverage and options you need for your commercial auto.

Can my commercial auto policy cover personal usage?

It depends on who is driving the vehicle and if the vehicle is company-owned, or a personal vehicle being used for commercial purposes. It is possible you may need another endorsement, referred to as a non-owned vehicle endorsement.

What does the process of getting insurance look like, and how long does it take?

The first step is getting a quote followed shortly by a call from an agent. Then you and your agent will discuss what kind of commercial auto insurance you need and how much you’re willing to spend.

Then you’ll have all the information you need to consider which commercial auto insurance policy you’d like to purchase.

What do I need to purchase commercial auto insurance?

You’ll definitely need to have your driver’s license and tax ID number, but you’ll also need to provide the following information, so prepare it ahead of time:

• Your vehicle information
  • The Vehicle Identification Number (VIN), usually found on the driver’s side of the dashboard or in the door jamb
  • The year, make, and model of your vehicle
  • When you purchased the vehicle
  • >Any loan or additional interest information
  • Any add-ons to the vehicle for business purposes
  • Number of miles you drive annually
• Number of people driving your vehicle
• Your vehicle history
  • Including collisions and tickets within the past 3 years

You also need to be prepared to offer as much information as you can about your business. For example, commercial auto insurance doesn’t cover business property that you transport, so you’ll need to add an Inland Marine policy if that is a concern for you.

Lastly, discuss any exclusions on the policy with your Cross Insurance agent. No insurance policy can cover everything, so you need to know what’s covered and what you’ll need to pay for yourself. Better to find out now than in the middle of a claim!

If you have questions about auto insurance or Cross Insurance Agency, you can via a phone call, text, or email. If you need to talk to an agent right away, you can use our booking website to schedule a visit.

Or, if you need to manage your policy, you can use our client self-service portal or our mobile app. We’re here for you whenever you need!