Your vehicles do more than move from one location to another. They carry your tools, your team, your products, and your reputation. Whether you operate a single service van or manage a full fleet of trucks, your business depends on safe, reliable transportation.
Commercial auto insurance is designed to protect your company from the financial impact of accidents, liability claims, vehicle damage, and legal expenses. At TWFG ~ Burridge Family Insurance, we understand that when one of your vehicles is involved in an accident, it’s not just about repairs—it’s about keeping your business moving forward.
Why Personal Auto Insurance Isn’t Enough
Many business owners assume a personal auto policy will cover business use. In most cases, it will not. If a vehicle is titled to your business, used primarily for work, or carries equipment and employees, you need a business auto insurance policy.
Commercial auto coverage addresses exposures such as:
- Company-owned cars, trucks, and vans
- Vehicles used for deliveries or transportation
- Service vehicles carrying tools and equipment
- Employee drivers operating company vehicles
- Hired and non-owned auto liability
Without proper coverage, a single accident could expose your company to significant out-of-pocket costs.
Core Coverages in Commercial Auto Insurance
| Coverage Type | What It Protects |
|---|---|
| Liability Coverage | Bodily injury and property damage caused to others |
| Collision Coverage | Damage to your vehicle from an accident |
| Comprehensive Coverage | Theft, vandalism, fire, weather damage |
| Uninsured/Underinsured Motorist | Protection if the other driver lacks adequate insurance |
| Medical Payments | Medical expenses for drivers and passengers |
In addition, many businesses benefit from hired and non-owned auto liability coverage, which protects you when employees use personal vehicles for company business.
The Real Cost of an Accident
Accidents happen quickly. A distracted driver. A sudden stop. Poor weather conditions. The financial consequences, however, can last much longer.
A commercial auto claim can involve:
- Vehicle repair or replacement
- Medical expenses for injured parties
- Legal defense costs
- Settlement payments
- Lost income from downtime
For many businesses, vehicles are revenue-generating assets. When one is sidelined, productivity suffers. Commercial auto liability insurance helps absorb these unexpected costs so your operations can continue.
Fleet Risk Snapshot
Percentage of commercial auto claims involving rear-end collisions.
Claims tied to distracted driving incidents.
Accidents occurring within 10 miles of the business location.
These patterns highlight an important reality: risk is often close to home and tied to everyday driving habits. Strong driver policies and adequate insurance limits work together to reduce exposure.
Risk Management Tips for Business Owners
While commercial auto insurance provides financial protection, proactive safety measures can reduce the likelihood of claims:
- Implement driver screening and motor vehicle record checks
- Establish written fleet safety policies
- Provide defensive driving training
- Maintain vehicles regularly
- Use telematics or GPS monitoring when appropriate
Insurance carriers often reward businesses with strong safety practices through more favorable underwriting considerations.
How Much Commercial Auto Liability Coverage Do You Need?
Determining the right liability limits depends on your industry, vehicle type, number of drivers, and contractual obligations. Many businesses carry at least $1 million in liability coverage, but higher limits may be necessary depending on exposure.
If your vehicles transport hazardous materials, heavy equipment, or multiple passengers, higher limits or additional endorsements may be appropriate. Commercial umbrella insurance can also extend protection beyond primary auto limits.
Special Considerations for Growing Businesses
As your company expands, your commercial auto policy should evolve with it. Adding new vehicles, hiring additional drivers, or expanding service territories can change your risk profile.
At TWFG ~ Burridge Family Insurance, we regularly review:
- Vehicle schedules
- Driver lists
- Garaging locations
- Radius of operations
- Annual mileage
Keeping your policy updated ensures there are no surprises if a claim occurs.
Why Work With TWFG ~ Burridge Family Insurance?
Commercial auto insurance policies vary in structure, exclusions, deductibles, and endorsements. Our team takes the time to explain your options clearly and help you choose coverage that matches your real-world risk.
We believe insurance should feel like protection—not paperwork. From fleet analysis to claims guidance, we’re here to support you every mile of the way.
If you’d like to review your current commercial auto insurance policy or explore new coverage options, contact TWFG ~ Burridge Family Insurance at 972-926-5355. Let’s make sure your business vehicles are protected—wherever the road leads.
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