Insurance Analysis

Commercial Auto Insurance

As you know, auto insurance coverage is mandatory – and for good reason.  Keystone Insurers Group can help you with your commercial auto insurance needs whether your company owns a whole fleet of vehicles or just one.  If employees drive company-owned vehicles for both commercial and personal use, we can help you with that, as well.  Furthermore, in the unfortunate event that a vehicle is involved in an incident, you can count on our team of experts to understand all the facts, valuate damage, and resolve the claim promptly and fairly.  Finally, we can help you find the right policy to insure all manner of commercial vehicles, including but not limited to:

  • Business Cars
  • Commercial Vans
  • Commercial Trucks
  • Box Trucks
  • Tow Trucks
  • Dump Trucks

Commercial vehicles require all of the same insurance coverage mandated for your personal vehicle – liability, collision and comprehensive, medical payments (known as individual injury protection in selected states), plus coverage for uninsured motorists.  However, other factors are specific to commercial vehicle insurance, including how vehicles are used in your industry, who will be operating the vehicles, and whether or not employees will also use the vehicles for personal use.

Our brokers can walk you through all the nuances of buying commercial auto insurance.  For example, if your employees also use their corporate vehicles for personal use, the company name should appear as the “principal insured” on the policy (not your name).  This will prevent confusion, as well as your personal entanglement, should a claim be filed (or your company needs to file a claim) that involves the company vehicle.  We can help you make sure you’ve asked all the right questions in building your commercial vehicle insurance. 

Let us help you determine what type of commercial auto insurance coverage is right for your company vehicles.  Our agents shop the top carriers to find you all the coverage you need at a price you can afford.  Call us today - 814-629-5607!