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Services for businesses

Commercial Auto

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The Importance of Commercial Auto Insurance

Essential Coverage: Commercial Auto Insurance

Commercial auto insurance is vital for businesses that use vehicles as part of their operations. It offers protection against a wide range of risks, including accidents, theft, and damage to your vehicles. This type of insurance ensures that your business is financially protected in the event of a vehicle-related incident, helping you manage the risks associated with transporting goods, providing services, or simply getting employees from one location to another.



Our commercial auto insurance policies are customized to fit the specific needs of your business, providing peace of mind and ensuring that you are well-protected on the road.

02

Physical Damage Coverage

Physical damage coverage includes collision and comprehensive insurance to protect your vehicles from damage caused by accidents, vandalism, theft, or natural disasters. It helps cover repair or replacement costs for your business vehicles.

01

Liability Coverage

This coverage protects your business from financial responsibility for injuries or damages caused to other people or their property in an accident involving your business vehicle. It includes bodily injury liability and property damage liability.

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Medical Payments Coverage

This coverage provides medical expenses for injuries sustained by the driver and passengers of your business vehicle, regardless of fault. It ensures that medical bills are covered promptly, reducing the financial burden on your business.

05

Cargo Coverage

For businesses that transport goods, cargo coverage protects against loss or damage to the goods being transported in your commercial vehicle. This is essential for businesses involved in delivery or shipping operations.

04

Uninsured/Underinsured Motorist Coverage

This protects your business if an accident is caused by a driver who lacks sufficient insurance coverage. It helps cover medical expenses and vehicle repairs if the at-fault driver cannot fully compensate for the damages.

05

Rental Reimbursement

If your business vehicle is damaged and in the shop for repairs, rental reimbursement coverage helps cover the cost of renting a replacement vehicle, ensuring your operations continue with minimal disruption.

  • What does commercial auto insurance cover?

    Commercial auto insurance covers liability for injuries and property damage, physical damage to vehicles, medical expenses, uninsured/underinsured motorist claims, cargo loss, and rental reimbursement.

  • Is commercial auto insurance required for all businesses with vehicles?

    Yes, if your business uses vehicles for operations, commercial auto insurance is typically required to meet legal and regulatory obligations. It also provides essential protection for your business assets.

  • How is the cost of commercial auto insurance determined?

    The cost depends on factors such as the number of vehicles, the types of vehicles, the nature of your business, driving records, and coverage limits. We can help assess your specific needs and provide a tailored quote.

COMPREHENSIVE PROTECTION

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Ready to Protect Your Business Vehicles?

Ensure your business vehicles are fully protected—contact Wright-Gardner Agency now to explore your commercial auto insurance options. Our team is ready to assist you in finding the best coverage and providing exceptional service. Reach out for a consultation and experience the difference we offer.

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