Business auto insurance throughout Alabama, Georgia, and Florida.

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.

How can business auto insurance protect you?
Use the yellow hot spots and explore how business auto insurance can help protect against common risks.
Business Auto
Liability Coverage
Risk Factor

Being involved in a covered accident can result in legal exposures and damages, potentially leading to costly legal battles and financial liabilities.

Solution

Liability Coverage protects you from costs like legal liability, accident-related injuries, or accident-based damage in the event of a covered accident.

Bodily Injury Liability Coverage
Risk Factor

At-fault accidents can result in severe bodily harm to others, imposing a heavy financial burden due to medical expenses and potential legal costs.

Solution

Bodily Injury Liability Coverage can ease the financial strain by covering expenses related to bodily harm or death from an at-fault accident, typically including legal costs.

Property Damage Liability Coverage
Risk Factor

Unintentional damage to someone else's property caused by your vehicle can lead to significant repair costs and financial liability.

Solution

Property Damage Liability Coverage protects you by covering the costs if your vehicle unintentionally causes damage to another person's property.

Medical Payments Coverage
Risk Factor

Accidents can result in medical expenses for you and your passengers, regardless of who is at fault, leading to unexpected financial burdens.

Solution

Medical Payments Coverage helps pay for these medical expenses, providing financial relief after a covered accident.

Uninsured Motorist Coverage
Risk Factor

Injuries and property damage caused by uninsured or hit-and-run drivers can leave you without adequate compensation, leading to financial hardship.

Solution

Uninsured Motorist Coverage protects you from these risks, covering injuries and property damage, and often includes underinsured motorist coverage for cases where the at-fault driver's insurance is insufficient.

Comprehensive Physical Damage Coverage
Risk Factor

Non-collision incidents like theft, vandalism, flood, or fire can cause significant damage to your vehicle, resulting in expensive repairs or replacement.

Solution

Comprehensive Physical Damage Coverage compensates for such damages, offering financial protection against these non-collision risks.

Collision Coverage
Risk Factor

Collisions with other objects can cause extensive damage to your vehicle, leading to costly repairs.

Solution

Collision Coverage pays for the damage to your vehicle in the event of a collision, alleviating the financial impact of such incidents.

For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that’s often a must if you lease or finance commercial vehicles.

It’s also worth considering employers non-owned car liability coverage. Employers non-owned car liability coverage is an add-on or a separate policy covering those instances when your staff use their own personal cars or trucks as part of their work for your business. This type of protection can help reduce the risk of messy legal complications if they are injured or their vehicle is damaged during this time.

Commercial car insurance is essential for those that run a business, but obtaining the proper coverages can get confusing. We can help!

Let’s discuss your business auto insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate business auto insurance solution. There’s no obligation, just good-old-fashioned advice.
Dark Insurance Agency offers comprehensive business auto insurance throughout Alabama, Georgia, and Florida.