Commercial Auto
Commercial auto insurance provides liability insurance to protect your business from financial loss due to an auto accident. Options for additional coverages and endorsements are also available.
The following physical damage coverages are available through EMC:
- Collision — to pay for a loss to your auto or equipment caused by a collision of a covered auto with another object or an overturn of the covered auto.
- Comprehensive — to pay for a loss caused by glass breakage, hitting a bird or an animal, or falling objects or missiles.
- Specified causes of loss — to pay for loss to a covered auto or its equipment caused by fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief or vandalism.
- Towing and labor — to pay for towing and labor costs incurred when a covered private passenger auto is disabled.
In addition to physical damage coverage, supplementary coverages and endorsements are available. Here are just a few:
- Auto medical payments insurance — Provides sources of medical expense reimbursement for insureds and their passengers injured in auto accidents.
- Uninsured and underinsured motorists coverage — Recovery for those injured in an accident caused by an at-fault motorist without an adequate amount of bodily injury liability coverage to pay for any or all of the damages.
- No-fault (personal injury) protection — Pays regardless of which party was at fault, guaranteeing you recovery in the event of a loss, where available.
