Business Automobile Insurance

What is Business Auto Insurance?

Business Automobile Insurance coverage provides protection for your business vehicles and drivers. Whether your business has a single work truck or a fleet of vehicles, we can help you find the plan that best fits your situation. Even businesses with no dedicated vehicles may need to have coverage if employees occasionally use a personal vehicle for a business purpose.

Simplify Shopping for Commercial Automobile Insurance

For over 35 years, Brunswick Companies' business insurance specialists have provided our clients with the expertise to help you identify your exposures and simplify your insurance purchase, providing the information you need to make an informed decision.  We have the "know-how" to help you ascertain the coverage solution that best meets your situation, needs and financial goals. We also have the expertise to coordinate your business and personal auto coverage for cost-efficient and comprehensive protection.

We provide our clients with access to a wide range of  top-ranked insurance providers. Our extensive experience in insurance risk management makes us uniquely qualified to provide a cost-effective solution to managing your risk.

Comparing Business Auto Insurance Quotes

Business automobile insurance policies from different insurers vary in what is covered, and cost should not be the only criteria you use to compare policies. Brunswick Companies' business insurance specialists will assist you in understanding the differences in coverage and selecting the coverage that is the best fit for your business.

What is Covered by a Business Auto Insurance Policy?

• Auto Liability coverage is available for
  • Owned autos
  • Autos owned, leased or hired by the insured
  • Non-owned autos
  • Coverage for employees using their cars for the business
    
    
• Physical damage coverages available include:
  
  
  • Collision
  • Comprehensive
  • Specified causes of loss coverage -  a less expensive alternative to comprehensive coverage paying only for losses caused by perils named in the policy.

Business Automobile Policy Options

Typically, a Business Auto Policy allows optional coverages that can be added for an additional premium. These include:

• Uninsured and underinsured motorists coverage
  
  
• Medical Payments reimburses passengers and operators of vehicles for their medical and funeral expenses arising out of accidents occurring while traveling in an insured vehicle or while entering or exiting from it.
  
  
• Personal Injury Protection provides bodily injury coverage, among other things, for drivers. The no-fault auto insurance states require drivers to carry PIP. It covers expenses regardless of fault.
  
  
• Lease Gap coverage
  
  
• Drive other car (DOC) coverage - applicable where no personal auto is owned. The company car is used for both business and pleasure. Provides non-owned personal auto protection for those named on the endorsement.
  
  
• Individual named as insured - applicable when the business auto is owned by an individual. Provides equivalent of personal auto protection for named individuals.

Who Utilizes Business Auto Insurance? 

This type of coverage is utilized by business owners in a wide variety of industries.

Improve the cost-effectiveness of your business insurance protection. Contact us today.