Commercial Auto Insurance for St. Louis & Clayton Businesses
Vehicles used for business purposes carry a different level of risk, and a commercial auto policy is built to cover them. If your business depends on vehicles to get work done, this policy can keep your operations moving.
What Is Commercial Auto Insurance?
Commercial auto insurance may cover vehicles owned or used by a business for work-related purposes. It typically accounts for higher mileage, multiple drivers and the greater liability exposure that comes with operating a vehicle on behalf of a company.
Who Needs Business Vehicle Insurance?
Commercial auto insurance is required by law in most states, including Missouri. Many types of businesses relying on vehicles may also need coverage in excess of minimum legal requirements, including:
- Contractors and tradespeople who drive to job sites
- Restaurants and retailers that make deliveries
- Real estate agents who transport clients
- Landscapers, plumbers and electricians with work trucks
- Any business that sends employees on the road
If employees drive their own vehicles for work, a hired and non-owned auto endorsement may be necessary.
What Does Commercial Auto Insurance Cover?
Chapman & Hogan Insurance offers commercial auto policies that may include:
- Liability coverage for third-party bodily injury and property damage caused by your drivers
- Collision coverage for damage to your business vehicles after a crash
- Comprehensive coverage for noncollision events, such as theft, vandalism and severe weather-related damage
- Uninsured and underinsured motorist coverage for when the at-fault driver carries no insurance or insufficient coverage to pay for your losses
Coverage limits and available options often vary. Whether you’re shopping for a policy for the first time or reassessing current coverage, our team can review your situation and explain applicable options.
Learn More
Your business vehicles are valuable investments, and the right coverage should reflect the work they do. Contact Chapman & Hogan Insurance today for personalized guidance on commercial auto insurance or get started with a quote.