If you utilize vehicles for your business, you need to make sure you are prepared in case something goes wrong. Countless incidents involving vehicles occur in the United States every day and no matter how careful you are, you could easily get involved in one of them.  This is where business auto insurance comes in.

What Is Business Auto Insurance?

Business auto insurance, otherwise known as commercial auto insurance, is a type of insurance coverage that provides liability and physical damage protection for vehicles that are used for business. It can be purchased for many types of business vehicle, including cars, trucks, vans, trailers, and even some construction equipment like dump trucks or backhoes.

What Things Are Covered Under a Business Auto Insurance Policy?

There are many types of business auto coverage available. It is important that you consider all of the options and create an insurance plan that meets your specific needs. Some of the commonly purchased types of coverage are:

  • Liability coverage
  • Physical damage coverage
  • Medical payments coverage
  • Uninsured motorist coverage
  • Non-owned coverage
  • Hired auto coverage

When you utilize vehicles for your business, you have to be aware of the potential risks. Business auto insurance can go a long way towards providing you with the protection you need.