Auto Insurance

Auto Insurance

Does My Business Need Auto Insurance?

Every business that owns or leases company vehicles should have business auto insurance. In fact, the law requires it. Any bodily injury or property damage for which you are legally responsible, including injury sustained by other drivers and damage to other vehicles, could put your business at risk of severe financial loss. Business auto insurance can help. Contact a B.W. Baker agent to learn more about the protection it provides.

What Coverage Options Are Available?

Business auto insurance provides all the same protection as personal auto insurance — business injury liability, property damage liability, comprehensive and collisions coverages, uninsured/underinsured motorist coverage, and medical payments coverage — however a business auto insurance policy is customized for the unique needs and budget of your business.

Where Do I Find Business Auto Insurance?

B.W. Baker has an experienced commercial lines department that can provide all types of insurance solutions for your business, including some that are specific to your industry. When it comes to business auto insurance, trust our business insurance specialists to find the right insurance package for your business. To obtain a free business auto insurance quote or to learn more, contact one of our trained specialists today.

Definitions

  • Non-Owned Auto Coverage Provides coverage if an employee is involved in an auto accident while driving a personal vehicle on company business.
  • Liability Insurance Protects you against financial loss associated with legal liabilities arising from an accident that you cause.
  • Bodily Injury Covers the expenses associated with the injuries or deaths for which you are legally responsible.
  • Property Damage Covers the expenses associated with damaging the personal property of another person.
  • Collision Coverage Reimburses you for the amount needed to repair or replace your vehicle in the event of a collision.
  • Medical Payments Covers the medical bills and funeral expenses for you or a passenger injured in an automobile accident.
  • Comprehensive Coverage Protects you against financial loss resulting from things like fire, theft, riots, animals, storms, earthquakes, and floods.
  • Uninsured/Underinsured Motorist Coverage Protects you against financial loss in the event that you are involved in an accident with a motorist who has little or no insurance, including a hit-and-run driver.

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