Commercial Auto

Commercial auto insurance is a type of car insurance that provides liability and physical damages coverage for business vehicles. You need commercial auto insurance to provide coverage for the vehicles you use to transport goods, equipment or employees from one point to another in the course of your business. The company itself pays the monthly premiums for the coverage of its business vehicles. Whether it’s a small business or a large fleet of business vehicles, you’ll need insurance to protect yourself and your business from financial losses in the event of an accident.

But What Exactly Does Commercial Car Insurance Entail?

Well, there are certain incidents that your personal auto insurance coverage excludes. For instance, if you file a claim and the insurer finds out that you were using the vehicle for business purposes, the claim will be denied. Having business car insurance ensures that all your vans, trucks and cars you use to conduct business are properly covered.

Who Needs Commercial Car Insurance?

All businesses, big or small, need coverage for their commercial vehicles. You need this type of coverage if:
• You or your workers use company vehicles for business and personal errands.
• You let your employees use their own vehicles while conducting company business.
• Your employees use company-owned, rented or leased cars.
• If your company owns, rents or leases any cars.

Types of Commercial Car Insurance

The most popular type of business vehicle insurance is the commercial car insurance liability coverage. Commercial car insurance liability protects a business from financial losses if one of your business vehicles, driven by you or one of your workers, is involved in an at-fault accident. In most cases, this type of coverage will pay for bodily injuries, third party property, and medical expenses. Other policy types include collision coverage and comprehensive physical damage coverage. The right combination of the three policies will provide sufficient coverage for your fleet of business cars.

Get a free estimate on this policy

I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.

Matt

I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso

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(301) 790-3304

(301) 698-1686 

(301) 334-1040

(301) 831-0223

19756 Longmeadow Rd. 
Hagerstown, MD 21742
186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702
12978 Garrett Hwy.
Oakland, MD 21550
602 Center St. Ste 107
Mount Airy, MD 21771