Commecial Auto Insurance
Commercial Auto Insurance with LINDAN Insurance
Driving Your Business Forward, Safely Covered.
Commercial Auto Insurance is a necessity for any business that uses vehicles—whether it’s a single sedan used for client visits, a fleet of delivery vans, or specialized heavy trucks. Unlike personal auto policies, Commercial Auto Insurance is specifically designed to cover the unique liabilities, higher limits, and specialized usage associated with business operations. Do not risk using a personal auto policy for business—claims arising from commercial use are almost always excluded. A proper commercial policy covers the cars, vans, trucks, and vehicles used in conducting your business, protecting both your assets and your employees.
Why Choose LINDAN Insurance for Your Commercial Auto?
Commercial Auto coverage varies significantly based on your industry, the types of vehicles you operate, and how far you drive. As independent commercial agents, LINDAN Insurance specializes in matching your business to the ideal carrier.
Here are the LINDAN advantages:
The Independent Agent Advantage: LINDAN Insurance is an independent agency. We do not work for one commercial carrier; we work for you. We partner with specialized commercial auto underwriters who focus on different industry sectors (e.g., contractors, retail, service, distribution). This ensures we find the right carrier with the most competitive rates for your specific business type and risk profile.
Securing Necessary High Limits: Commercial lawsuits resulting from an accident often result in multi-million dollar claims. We ensure your policy includes sufficient liability limits (often $1 million Combined Single Limit, or CSL) to protect your business assets against catastrophic judgments.
Critical Coverage Gap Analysis: We help identify and close key coverage gaps, especially regarding Hired and Non-Owned Auto Liability. If your employees drive their personal cars for work or rent a vehicle for a business trip, your General Liability policy may fall short. We ensure this essential coverage is included.
Fleet Management Savings: For businesses with multiple vehicles, we shop for fleet programs that offer significant discounts, streamlined reporting, and tailored risk management services to keep your operating costs low.
Understanding Commercial Auto Coverage
Commercial auto insurance comprises the same basic parts as a personal policy, but with higher limits and specialized features tailored to business risk:
| Coverage Type | What It Covers | Why Your Business Needs It |
| Commercial Auto Liability | Covers the cost of property damage and bodily injury to others if you or an employee is found at fault in an accident while operating a covered vehicle. | Protects your business assets (not just the vehicle) from catastrophic lawsuits. |
| Physical Damage | Covers damage to your company vehicles, split into Collision (accidents with objects/vehicles) and Comprehensive (theft, vandalism, fire, weather). | Essential for protecting your large vehicle investment, especially if financed. |
| Medical Payments/PIP | Covers medical expenses and funeral costs for drivers and passengers of your company vehicles after an accident, regardless of fault (where applicable). | Protects your employees and reduces exposure to Workers’ Compensation claims for minor injuries. |
| Uninsured/Underinsured Motorist | Covers your medical bills, lost wages, and property damage when an at-fault driver has no insurance or insufficient insurance. | Protects your company and employees from the negligence of financially unprepared drivers. |
Essential Commercial Add-Ons
Hired Auto Liability: Protects the business from liability claims when vehicles are rented or leased by the business.
Non-Owned Auto Liability: Covers the business’s liability exposure when employees use their personal vehicles (P-CARS) for business tasks (like running errands or driving to a client site).
Loading/Unloading Liability: Protects against liability for accidents that happen while loading or unloading cargo (often vital for delivery and contracting businesses).
Motor Truck Cargo: Provides specific coverage for the cargo or goods being transported in the vehicle, which is not covered by standard commercial auto.