Commercial Auto Insurance In Ohio
To ensure that your business runs smoothly, it is important to protect your assets. This includes any commercial vehicles that you use during your day-to-day operations. According to the Ohio Bureau of Motor Vehicles, or BMV, an individual must have insurance to drive any motor vehicle. Additionally, the vehicle owner cannot allow another driver to operate their vehicle without the proper insurance.
Insura Insurance Agency proudly helps businesses all over Ohio to cover the vehicles used during business hours. If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur.
Keep reading to learn more about Insura Insurance Agency’s commercial auto insurance coverage, what commercial auto insurance is, requirements for application, how much this insurance costs, and more.
What Does Insura Insurance Agency's Ohio Commercial Auto Insurance Cover?
Insura Insurance Agency provides each customer with a customized business auto insurance solution with coverage tailored to their needs. This will cover any type of vehicle that’s used for business purposes, such as vans, cars, and trucks. Although the type of commercial auto insurance recommended would be based on your operations, considering present and future requirements, it would generally cover driver injury, vehicle damage, injury to somebody else, and damage to somebody else’s property.
There are numerous types of commercial auto coverages to consider when looking for an insurance policy. Some examples of insurance coverage include:
- Third-party liability coverage
- Collision or accident coverage
- General liability coverage
- Comprehensive coverage, which refers to any non-collision loss
- Loading and unloading coverage
- Medical payments for you and passengers in your vehicle
- Accidents that involve uninsured motorists
- Legal fees if you had been sued over the other party’s injuries
This is by no means an exhaustive list of the commercial auto insurance you can receive from Insura Insurance Agency. Customers with any questions about commercial auto insurance coverage are encouraged to contact the expert team at Insura Insurance Agency.
Who Needs Commercial Auto Coverage?
If you or your staff use a vehicle to conduct business, you need to have commercial auto insurance. The types of professions and businesses that typically have insurance include:
- Food vendors and caterers
- Plumbers, electricians, and HVAC technicians
- Landscapers and similar providers
- Painters, carpenters, and other types of contractors
- Auto mechanics
- Bakeries
- Cleaning services
- Snow plow services
- Sales personnel
- Real estate professionals
There is an exception to this rule, however. If you drive a Lyft or an Uber or use a vehicle to deliver goods and services (like Grubhub), you will want to skip commercial auto insurance and go for rideshare insurance instead.
Ready to protect your business vehicles? Contact Insura Insurance Agency today for a customized commercial auto insurance quote tailored to your Ohio business needs.
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Have questions or need assistance with your insurance? Our team is here to help! Reach out to us for personalized support, expert guidance, or a free quote. Whether it’s for personal or commercial insurance, we’re just a call or message away. Let’s protect what matters most to you!