Commercial Auto Insurance

Just like with personal auto insurance, there are different levels of protection available for commercial auto insurance as well.  Many businesses today use commercial vehicles for daily operations or have employees that drive their own vehicles to conduct company business, and if you’re one of them, then commercial auto insurance is a necessity.  The state requires a minimum of liability coverage for commercial vehicles. Whether your business uses cars, trucks, SUVs or other automobiles, our Fullhart Insurance Agents in Oregon can help assess if additional levels of coverage may be appropriate for your business.

Commercial Auto Liability

This business insurance policy provides for bodily injury liability and property damage, as well as for injuries/damage the policyholder causes to someone else when operating a company automobile. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car are also covered.

Hired/Non-owned Auto Liability Insurance

This provides a business with business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own car or truck on company business). This can often be inexpensively added to the commercial auto insurance policy or in some cases a general liability insurance policy.

Commercial Auto Collision & Comprehensive Insurance

Adding collision and comprehensive coverage to your commercial auto policy may be advisable depending on your property and line of business.  Collision covers the repairs to your vehicle in the event that you are involved in an at-fault accident, while comprehensive coverage protects you against theft, vandalism, and damage occurring to your vehicle from a natural disaster such as a fallen tree.