WHY CHOOSE ALLSTAR COMMERCIAL INSURANCE
When you’re using vehicles for commercial purposes, you must have a commercial auto insurance policy to cover your commercial drivers, your vehicle, and others on the road. If you’re using your vehicle for business and get into an accident, then a personal auto insurance policy will not cover the damages. You can purchase commercial auto insurance for a single vehicle or for a fleet.
Commercial auto insurance plans differ from personal auto insurance policies by offering higher coverage limits, because commercial vehicles are exposed to a higher risk of loss. Furthermore, because many different types of vehicles can be classified as commercial vehicles, many commercial auto insurance plans offer customizable policies to suit your needs.
For example, semi-trucks transporting oil need different coverage than a tour bus.
WHAT TYPES OF VEHICLES QUALIFY AS COMMERCIAL VEHICLES?
A commercial vehicle is any vehicle used for business purposes, and can include any of the following:
CARS, SMALL TRUCKS, OR VANS
These are sometimes used to transport clients or even small materials. Even pizza delivery vehicles qualify as commercial vehicles under these circumstances.
TRUCKS
Service utility trucks, semi-trucks, tractor-trailers, and even food trucks.
TRAILERS
If you use a trailer for towing/transporting large cargo (including towing other vehicles) for business, then the trailer and contents of the trailer would qualify under a commercial insurance policy.
TYPES OF COVERAGE OFFERED
The basic coverage you’ll see in a commercial auto insurance policy are similar to a personal auto insurance policy:
ADDITIONAL COVERAGES
As mentioned above, commercial auto insurance policies offer special coverages for different types of commercial vehicles.
These coverages can include:
Non-owned vehicles: which protects vehicles rented or borrowed for business purposes.
Loading and unloading liability: which covers injuries or damages sustained during the loading process.
Rental Reimbursement: This covers the cost of renting a vehicle after an accident if needed.
Towing and labor costs: which covers the cost of towing a damaged vehicle.
Cargo protection: which protects the cost of cargo being transported.
Liability protection for garage keepers: which protects your vehicles when stored in a facility.
Contact Us
If you would like to find out more about what Allstar International Group can do for you or to receive a quote, don’t hesitate to contact us. We’d love to hear from you!