MISSOURI COMMERCIAL AUTO INSURANCE
Drive business success with E3’s top-tier Missouri commercial auto insurance. Get your quote today.
We’re the Commercial Auto Insurance specialists in St Peters
If you own a business, it’s likely that you have one or more vehicles that you use for a variety of tasks, including delivering things, moving people, and doing errands. Your expensive investments are at danger, so it’s critical to make sure your commercial cars are properly insured. Accidents, injuries, and other unanticipated events can result in large financial losses. You can rest easy knowing that your vehicles and your company are covered in case of any unforeseen circumstances if you have the appropriate commercial auto insurance policy.
Commercial Auto Insurance in St Peters
Protect your business and your valuable investments. Ensure your commercial vehicles are properly insured. Don’t let accidents or unexpected events result in financial losses. With the right commercial auto insurance policy, you can rest easy knowing your company and vehicles are covered. Get insured today.
Types of Vehicles Commercial Auto Insurance Covers
Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:
- Company cars
- Cargo Vans
- Limos
- Taxis
- Buses
- SUVs
- Pickup trucks
Commercial auto policies cover personal cars that are used for business, as well as SUVs, light-duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.
The use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety when they assess the amount of coverage your business needs.
If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.
Types of Vehicles Commercial Auto Insurance Covers
Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:
- Company cars
- Cargo Vans
- Limos
- Taxis
- Buses
- SUVs
- Pickup trucks
What Does Commercial Auto Insurance Cover?
BODILY INJURY LIABILITY
This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.
PROPERTY DAMAGE LIABILITY
This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.
UNINSURED AND UNDERINSURED MOTORISTS
If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.
COMPREHENSIVE
Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft, and vandalism.
COLLISION
As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.
MEDICAL PAYMENTS
This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.
ADDITIONAL OPTIONAL COVERAGE
A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own. You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved. The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.
What Does Commercial Auto Insurance Cover?
BODILY INJURY LIABILITY
Bodily injury coverage compensates for medical expenses, funeral costs, and lawsuits caused by you or your employee. The coverage limit and deductible you choose determines the amount of compensation.
PROPERTY DAMAGE LIABILITY
Protect your business from property damage caused by you or your employee. This coverage will pay for the repair costs, and the amount of coverage you receive depends on the limits and deductibles you set.
UNINSURED AND UNDERINSURED MOTORISTS
Protect your drivers and vehicles from uninsured motorists. This coverage pays for damages and injuries caused by an uninsured driver, up to your policy limit.
COMPREHENSIVE
Shield your vehicle from non-collision incidents. Comprehensive coverage protects against damages caused by weather, theft, and vandalism.
COLLISION
Cover damages caused by accidents with collision coverage. A good commercial auto policy should include adequate collision coverage for your vehicles in case of an accident caused by you or your employees.
MEDICAL PAYMENTS
This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.
ADDITIONAL OPTIONAL COVERAGE
Enhance your coverage with additional options. Depending on the insurer and state, you can purchase coverage for employee driving, rental replacement, towing, and cargo liability. Protect your business, drivers, and vehicles with the right commercial insurance. Don't leave your business at risk, get covered today.
Does Commercial Auto Insurance Cover Personal Use?
Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.
It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.
If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.
Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.
An independent agent like E3 Insurance, can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.
We’ll ask a variety of questions designed to not only get you an accurate quote but also find discounts that may be available to you.
You may be asked questions such as:
- How many commercial automobiles do you have?
- How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
- How many miles does each vehicle typically travel in a year?
- How many drivers do you have?
- What are their ages and level of experience?
- Have your drivers taken a safe driving course?
If you’re in the market for commercial auto insurance in St Peters, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.
Call our office, or complete the form below to get started:
Does Commercial Auto Insurance Cover Personal Use?
Protect your business from financial risk by ensuring you have adequate coverage for the commercial use of your vehicles. Even a small errand run by an employee in their personal car can result in costly damages and injuries that may not be covered by personal insurance.
E3 Insurance offers comprehensive commercial auto insurance coverage tailored to your business needs, including coverage for rented or employee-owned vehicles. Our independent agents will work with you to assess your risks and find discounts that fit your budget. Contact us today for a personalized quote and peace of mind.
GET THE PROTECTION YOU DESERVE
Address:
1276 Jungermann Rd. STE B St. Peters, Missouri 63376
Phone:
636.542.8966
protect@E3insure.com
Hours of Operation
9AM - 4PM CST.