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Protect Your Commercial Vehicles
Understanding the specific insurance needs of your business is crucial. Deciding whether your enterprise requires a commercial auto policy can be complex. We're here to help you assess your needs and explore the best insurance options available.
What is Commercial Auto Insurance?
At biBERK, we offer customized business insurance coverage with savings of up to 20%. Whether you need workers’ compensation, professional liability (E&O), general liability, business owners, umbrella, or cyber insurance, you can easily complete a simple form online or consult with our licensed insurance experts to receive a fast, free quote. Additionally, biBERK allows you to purchase a policy, manage it, and submit claims online for maximum convenience.
Vehicles Covered by Livery Service Commercial Auto Insurance
Commercial auto insurance safeguards a wide variety of vehicle types. Nearly any vehicle used in your operations can be covered, including:
What Does Commercial Auto Insurance Cover?
Bodily Injury Liability Coverage
This coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault. It may also cover legal defense expenses, depending on the policy type.
Property Damage Liability Coverage
If your vehicle unintentionally damages another person’s vehicle or property, this coverage protects you. It can also include legal defense expenses based on your policy.
Medical Payments, No-Fault, or Personal Injury Coverage
This coverage pays for medical expenses incurred by employees or passengers in your vehicle, regardless of who is at fault in an accident.
Uninsured Motorist Coverage
This coverage pays for medical expenses or, in some cases, property damage caused by a hit-and-run driver or an uninsured driver. It may also include underinsured motorist coverage if the at-fault driver lacks sufficient insurance.
Comprehensive Physical Damage Coverage
Covers damage to your vehicles or trailers from non-collision incidents such as theft, vandalism, floods, fires, and other specified hazards.
Collision Coverage
Covers damage to your vehicles or trailers resulting from a collision with another vehicle or a single-car accident.
Should Your Livery Service Consider Small Business Auto Insurance?
Every livery service should have small business auto insurance to protect its fleet. We offer coverage tailored for these businesses and many others, ensuring your vehicles are safeguarded against various risks.
Differences Between Commercial Vehicle and Personal Auto Policies
Both commercial vehicle insurance and personal auto policies offer coverage for liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorist exposures (sometimes underinsured as well). However, commercial auto insurance differs significantly from personal auto policies in terms of eligibility criteria, definitions, coverages, exclusions, and limits.
Small Business Insurance Experts
With over 500,000 satisfied customers, biBERK specializes exclusively in small business insurance. Here's why so many organizations trust biBERK:
Save Time
Obtain a quote entirely online or speak directly with one of our insurance experts for assistance with quotes, policy purchases, or any inquiries you may have.
Save Money
We insure your small business directly, eliminating the need for intermediaries or brokers. This allows us to pass savings of up to 20% compared to other insurance companies.
Experienced
As part of Warren Buffett's Berkshire Hathaway Insurance Group, we bring over 75 years of insurance experience, millions of satisfied customers, and \$38 billion in paid claims in 2020.
What’s Not Covered by Small Business Auto Insurance?
While small business auto insurance offers substantial financial protection and peace of mind, certain incidents are not covered by the policy. Common exclusions include:
- Intentional or Expected Property Damage or Injuries: Damage or injuries caused intentionally or expected to occur from your actions are not covered.
- Racing: Any damage or injuries resulting from racing activities are excluded.
- Mobile Equipment Operation: Liability related to operating mobile equipment such as forklifts or cranes is not covered.
- Injuries Covered Under Workers' Compensation: Injuries that are addressed by a workers’ compensation policy are not covered by commercial auto insurance.
- Hired and Non-Owned Vehicles: Only vehicles listed on the policy are covered. Temporary rental vehicles are covered if your listed vehicle is being repaired, serviced, or has been totaled. Replacement vehicles must be added to the policy within 30 days of purchase. Employee-owned or borrowed vehicles are not covered unless hired/non-owned coverage is added to a general liability or business owners policy (BOP).
This is not an exhaustive list of exclusions. Our insurance experts can provide more detailed information tailored to your specific needs.
Get a Commercial Auto Insurance Quote Today
Discover how affordable commercial auto insurance can be with biBERK. Get your free quote now.
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