Business auto insurance coverage helps cowl the prices of an auto accident in the event you or an worker is at fault. This protection will help pay for broken property and medical bills – even within the occasion of a deadly accident.
Business auto insurance coverage will help shield enterprise homeowners and their corporations if, for instance:
- An worker hits a pedestrian whereas driving one of many enterprise autos. The pedestrian requires medical remedy that ends in massive medical payments.
- You swerve off the street whereas driving to work in an organization automobile and take out a residential mailbox.
- An worker driving to work in an organization automobile hits one other automobile and totals it.
Get a business automobile insurance coverage quote in the present day to study how one can shield your small enterprise whereas on the street.
Who Wants Business Auto Insurance coverage?
Take into account business auto insurance coverage if what you are promoting:
- Owns, leases, or rents autos similar to automobiles and vans.
- Has workers who drive their very own autos to conduct enterprise.
- Has workers who function leased, rented, or owned firm autos.
What Automobiles Are Coated Underneath Business Auto Insurance coverage?
When you’re driving a automobile for enterprise causes, having the correct business automobile insurance coverage is vital. So whether or not you’re utilizing a four-door sedan to journey to and from enterprise conferences otherwise you’re towing just a few tons of cargo in a big supply truck, the correct protection will help shield what you are promoting.
A great rule of thumb is to think about if the automobile is being operated in relation to the job. Whether it is, you’ll doubtless want enterprise auto insurance coverage protection. Do not forget that utilizing a automobile to commute to and from work does not represent a necessity for business automobile insurance coverage.
When you’re nonetheless uncertain about business automobile coverages, name us in the present day for extra detailed info. You’ll be able to discuss with certainly one of our representatives by calling 855-860-9763.
Save Cash on Business Auto Insurance coverage
We will help you save with advantages you may add to your business auto insurance coverage coverage.
Fleet House owners: Scale back Prices With Threat Engineering
Our danger engineering staff can present companies that personal a fleet of autos with info on how they will enhance security and keep away from accidents. This may embody:
- An in-depth evaluation of the corporate’s driver security data
- A overview of doable root causes of accidents
- Suggestions on methods to stop accidents
Our danger engineering staff also can suggest driver security packages that might result in financial savings.
Our staff also can assist you to introduce your drivers to the strategies of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.
Threat Engineering companies will not be obtainable to all clients. Contact a consultant from The Hartford to verify eligibility.
Select The Hartford for Business Automotive Insurance coverage
Distinctive, Custom-made Coverages
Each firm faces distinctive dangers. We will work to customise insurance policies to assist meet particular enterprise wants. When you have a broken automobile as a result of a coated loss, our varied coverages can shield what you are promoting in some ways. Our downtime loss protection will help cowl what you are promoting’s misplaced revenue. Our rental reimbursement protection will help cowl the prices to hire a automobile. And our towing protection will help cowl towing bills in case your automobile is inoperable.
Superior Enterprise Auto Insurance coverage Claims
Our skilled claims specialists are prepared to assist expedite a declare anyplace within the U.S. They’re devoted to getting you again on the street – and again to enterprise – as quick as doable.
Extra Financial savings for Fleet House owners
Our FleetForward program makes use of telematics1 and real-time knowledge to assist fleet homeowners establish danger and forestall accidents. You might also be eligible for extra financial savings in your business auto insurance coverage coverage.
We additionally provide financial savings to reward clients for making protected decisions and for paying in full. Contact your agent or a consultant from The Hartford to study extra.
Get Further Enterprise Auto Safety at No Extra Price
The Hartford business auto insurance coverage affords additional safety for what you are promoting at no further value. This consists of:
- Protection for digital units
- Reductions for insuring hybrid and pure gasoline autos
- Protection for leased and loaned autos
Waiver of Subrogation. Within the occasion of an accident attributable to a 3rd occasion, The Hartford will assist cowl the loss and pay the insured throughout the phrases of the endorsement and waives its proper to subrogate. In different phrases, The Hartford waives its proper to pursue a declare towards the third occasion that induced the accident.
Glass Restore Waiver of Deductible. When a coated automobile requires glass restore, The Hartford waives the bodily injury deductible.
One Deductible for Two. Just one deductible will apply when a single occasion causes injury to an auto coated by our auto coverage and property injury coated by one other coverage from The Hartford.
Extra Assets for Business Auto Insurance coverage
If you have already got business auto insurance coverage, find out about different enterprise coverages we provide. Name 855-829-1683 to talk to certainly one of our specialists.
The Hartford has partnered with By way of Transportation, Inc. because it expands from the U.S. into Canada, providing business auto ride-sharing protection to guard its drivers and passengers. For extra details about the protection, learn the coverage.
1 Telematics refers to the usage of wi-fi units and “black field” applied sciences to transmit automobile use knowledge, in actual time, again to an organization. Proof of set up/ activation and use is required; low cost applies to legal responsibility, medical funds, complete and collision coverages. Proof consists of: service settlement/ acknowledgment with telematics supplier; person settlement with telematics supplier; activation affirmation doc/contract with OEM; abstract report with telematics info or automobile diagnostics report based mostly on telematics use.