If your business uses vehicles for daily operations, having the right insurance coverage is essential. Whether you own a single company car or manage a fleet of service vehicles, a commercial auto insurance policy helps protect your business from financial loss due to accidents, property damage, or liability claims.
At Mountain Lakes Insurance, we help business owners in Woodstock, Canton, and surrounding areas find the right commercial auto coverage for their needs. Our policies are designed to protect your vehicles, your employees, and your business operations.
What Does Commercial Auto Insurance Cover?
A commercial auto policy provides broader protection than a personal auto policy. It is specifically designed to account for business use and typically includes:
Liability Coverage
Protects your business if a company vehicle causes injury or property damage.
Physical Damage Coverage
Covers repairs or replacement of your vehicle due to collision, theft, or other covered events.
Uninsured and Underinsured Motorist Coverage
Helps cover costs if your vehicle is hit by a driver with insufficient insurance.
Medical Payments
Covers medical expenses for the driver and passengers in your business vehicle.
Our carriers also offer optional coverages such as:
- Hired and Non-Owned Auto Liability
- Single Deductible Options
- Cargo Coverage
- Rental Reimbursement
- Roadside Assistance
Does Your Business Need Commercial Auto Insurance?
If you are unsure whether your business requires a commercial auto policy, here are some common situations where this coverage is necessary:
- You own vehicles registered in the business name
- You use vehicles to perform services such as deliveries, repairs, or mobile services
- You transport goods or passengers for a fee, including rideshare or delivery services
- You tow trailers that carry business equipment
- Employees drive vehicles owned or leased by the business
If any of these apply to your operations, a commercial auto policy is likely the right choice.
Tailored Coverage for Woodstock Businesses
While commercial auto insurance provides essential protection, it does not include coverage for professional liability, workers compensation, or general liability. Depending on your business type, you may need to combine your auto policy with a Business Owners Policy (BOP) or other commercial insurance products.
Our team of independent agents can help you review your operations and recommend the right combination of policies to fully protect your business.
Frequently Asked Questions
Yes. If your vehicle is used for business purposes across county lines or statewide, a commercial policy ensures you're covered wherever you operate.
See what independent coverage can do for you
Whether you're comparing quotes or have questions about your current policy, we're here to help. Use the online tool below to explore your auto insurance options at your convenience, or give our Woodstock office a call to speak directly with a local agent who understands your needs. At Mountain Lakes Insurance, we make it easy to find the right coverage with the personal touch you deserve.
