Commercial Auto Insurance in Beaver, PA
If your business operates vehicles on the road, a personal auto policy will not financially protect your vehicles in the event of an accident. Commercial auto insurance is built for the realities of business driving, whether that means a contractor hauling tools to a job site, a catering company making deliveries or a sales rep logging miles between client meetings. 
What Does Commercial Auto Insurance Cover?
Coverage details may differ based on various factors, but a commercial auto insurance policy often includes:
- Liability coverage may help pay for third-party bodily injury and property damage if you or your employee is at fault in an accident.
- Comprehensive coverage may help manage losses from noncollision events such as theft, vandalism or weather damage.
- Collision coverage may cover damage to your business vehicle after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage may reimburse your costs if your vehicle is involved in an accident and the at-fault driver has inadequate insurance.
Commercial Auto Insurance Exclusions
While it can offer broad financial protection, commercial auto insurance does not cover every situation. Common exclusions include intentional damage, using a covered vehicle for personal use when the policy is structured for business-only use and driving under the influence of alcohol or drugs. Damage to cargo or property you’re transporting is typically excluded from standard coverage, as is wear and tear or mechanical breakdown. Employees driving without a valid license or who are not listed on your policy also typically fall outside your coverage. Reviewing your policy thoroughly can help you avoid costly coverage gaps.
Secure Coverage Today
Factors like weather patterns, local traffic rates, crime patterns and the types of tasks for which your business uses vehicles all influence how your coverage should be structured. FernRock Insurance Agency can help you match your policy to its needs. Contact us today to get started.