Commercial Auto Insurance

Since commercial automobile Insurance coverage varies, Specht Insurance Group, Ltd. will discuss your business with you and help you determine the proper amount of coverage for all your commercial needs.

There are three different types of commercial automobile policies

Business auto coverage is the most common type of commercial automobile insurance.  Available coverages include liability, medical payments/personal injury protection, uninsured motorists, underinsured motorists, collision, comprehensive, towing and rental reimbursement.

Garage coverage is designed to meet the special needs of businesses engaged in selling, servicing, storing or parking vehicles.  It is more than just an automobile policy as it also provides liability insurance for the operations.

Motor carrier coverage is designed for businesses that provide transportation by vehicles – including common carriers, contract carriers and private carriers that transport their own property.

What should my business auto policy cover?

What should my business auto policy cover?

Commercial auto insurance coverage may include:

  • Liability
  • Comprehensive
  • Collision
  • Medical Payments
  • Uninsured and Underinsured
  • Roadside Assistance
  • Loss of Use
  • Business Interruption

Liability Insurance

Insurance coverage that helps to cover the financial responsibility if you or an employee is at fault in an automobile accident that results in bodily injury or property damage.


Comprehensive Coverage

Coverage that helps to repair or replace your vehicle if it’s damaged in an accident (other than a collision) or is stolen. Examples of collision coverage include fire, vandalism and falling objects.


Collision Coverage

Actual cash value coverage that helps to repair or replace your vehicle if it’s damaged in a collision, regardless of who is at fault.


Roadside Assistantance

Insurance coverage for basic tasks such as towing, unlocking your car, etc. that can get you back out on the road if you are stranded.


Loss of Use Coverage

Insurance that provides coverage for reimbursement of a rental vehicle following an automobile accident.


Business Interruption Coverage

Coverage for loss of income to your business resulting from a suspension of operations due to damage to a covered auto.


Medical Payments

Coverage that helps to pay for medical expenses for you or your passengers if injured in an automobile accident.


Uninsured Motorist Coverage

helps you to pay for your injuries or damages to your vehicle caused by a driver that does not have insurance coverage.


Underinsured Motorist Coverage

Protection in the event that you are involved in an automobile accident with someone that does not have sufficient insurance of their own.

Why do I need comprehensive coverage?

Why do I need comprehensive coverage?

When your employees use a company vehicle for business purposes, their personal auto policy coverage no longer applies in the event of an accident, property damage, or fatality caused by one of your employees.

What to expect from our company

What to expect from our company

At our agency, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.

Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.

A cautionary tale

A cautionary tale

As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.

This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.

It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals? 

It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.

The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.

Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.

Answer this one question:

Answer this one question:

Can you afford to expose your income, your personal property, and your employees to this high-level of risk? If the answer is “no,” then we can help.

Why we're different 

Why we're different 

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let our insurance professionals help you protect what you care about most.