Commercial Auto Insurance

Even if your employees are well trained, driving accidents happen. When a company car or vehicle is involved in an accident and damage and/or injuries occur, your business is liable—but you don’t have to spin your wheels searching for a solution. EMC Insurance Companies has more than a century of experience providing businesses with comprehensive commercial auto insurance coverage.

From Point A to Point B and everywhere in between, we prioritize the protection of your business on the road. Blind spots behind the wheel can’t always be avoided. Still, our team of industry-leading agents will identify blind spots in your coverage to ensure you aren’t hit with unexpected expenses you can’t afford.

How does auto insurance for businesses work?

Commercial auto insurance protects your business from financial loss due to an auto accident involving a work vehicle. This includes specialty vehicles operated by employees, such as trucks, vans and utility vehicles used to transport goods and services. Our coverage also includes company-owned cars, often used daily for simple deliveries or traveling to and from various clients or customers. 

What is covered under a commercial auto insurance policy?

• Collision Insurance: Pays 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: Pays for a loss caused by glass breakage, hitting a bird or an animal, or falling objects or missiles
• Specified causes of loss: Pays 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: Pays for towing and labor costs incurred when a covered private passenger auto is disabled

Supplementary coverages and endorsements include:

• Auto medical payments insurance: Provides sources of medical expense reimbursement for policyholders and their passengers injured in auto accidents
• No-fault (personal injury) protection: Pays regardless of which party was at fault, guaranteeing you recovery in the event of a loss, where available
• 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

Commercial auto insurance coverage can be expansive depending on your policy, but there are a few critical exclusions to be aware of:

•  Employee injuries while operating a company vehicle: Hospital bills and lost wages accrued by employees who sustain injuries resulting from a car accident are not covered under commercial auto insurance because both of these expenses should be covered under workers’ compensation insurance.

• Employee injuries while operating their own vehicle to fulfill work duties: Injuries and property damage inflicted by an employee on the clock but in their own vehicle don’t fall under commercial auto insurance coverage.

• Injuries or property damage incurred intentionally: Any injuries or damage caused by a vehicle on purpose are not covered.