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Types of Business Auto Insurance Coverage

Auto insurance for businesses works a little differently than personal coverage. Business auto insurance can cover everything from a full fleet to a single company car, covering damages, medical costs, and uninsured drivers; but, coverage extends beyond protecting the individual driver involved in an accident and protects your company’s assets that may be held as restitution for any liabilities involving commercial vehicles.

Things to Consider When Choosing Business Auto Coverage:

Primary Usage

Coverage needs will vary depending on how vehicles are used. This might include personal vs. commercial use, or delivery vs. travel usage.

Number of Vehicles

Maybe you only have one company car, maybe you have a whole fleet, or your small business falls somewhere in between the two, but the number of vehicles your need for business auto insurance coverage will vary depending on the number and types of vehicles you will be insuring.

Number of Drivers

The number of drivers and potential drivers of company cars can also impact your commercial auto insurance needs.

Purpose of Company Vehicles

What you use your vehicles for will play an important role in choosing the business auto insurance that’s right for you.

State Laws

Requirements may vary from state-to-state and working with a business auto insurance specialist from Ansay can help ensure that your coverage meets state requirements.

Common Auto Insurance Coverages for Businesses

Commercial auto insurance can cover a wide range of liabilities, here are a few of the most common types of auto insurance coverages for businesses:


This helps cover the cost of damages or injuries, and is the minimal coverage required in most states.


In the event of an auto accident, collision coverage in commercial auto insurance cover some or all repairs to your vehicle.

Personal Injury

Medical expenses and income loss resulting from an accident are covered by this type of policy.

Uninsured & Underinsured Motorists

Despite legal requirements to carry insurance, many drivers still choose to opt out or simply rely on the minimal liability coverage required by their state. This coverage protects your business if a company vehicle is ever in an accident with someone inadequately insured.

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Business Auto Insurance Cost Saving

Every company knows that expenses related to assets as costly as vehicles can quickly take a toll when managed incorrectly. Saving on the cost of your business auto insurance should at least be a top priority. Here are some ways to make that savings happen:

Training & Safety

Ensure that your drivers have proper training; official designations such as a CDL (Commercial Driver’s License) can reduce the cost of commercial auto insurance.

Keeping a clean driving record

Be careful who you hire to drive your commercial or fleet vehicles. Performing background checks for moving traffic violations and updating the records for current employees can help reduce insurance risk for business auto plans.

Opt for a higher deductible

Increasing your deductible is the simplest way to reduce the premium for your small business auto insurance.

Bundle Coverages

Compare business auto insurance quotes with different bundled coverages to find what protects your company for the right price.

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Auto Insurance for Businesses of All Sizes

Whether your company has a whole fleet of vehicles delivering goods and services to your clients, or you have a single vehicle that helps you cover your territory, commercial auto insurance is important for businesses of all sizes. Depending on the number of vehicles you need to protect with your business auto insurance, the cost of coverage will fluctuate. Working closely with an expert from Ansay & Associates means you can fight a perfectly priced coverage for businesses big and small.

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General Liability

Accidents happen and if they happen on your property or as the result of work that you have done, you could be liable for damages. Learn more about general liability insurance options.

General Liability
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Workers Compensation

Workers’ compensation can help cover medical costs and even provide employee wages for time missed from work and is an important thing to have as a business owner. Learn more about workers’ compensation insurance coverage options.

Workers Compensation
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Property Insurance

The physical space and equipment you use to run your business can be protected from damage or loss with commercial property insurance from Ansay & Associates. Click to learn more about your coverage options.

Property Insurance

Frequently Asked Questions

Answers to Frequently Asked Business Auto Insurance Questions

Does my Personal Auto Insurance cover business use?

Generally speaking: no. Personal auto insurance protects individual liabilities but does not protect company assets in the event of an accident.

What is Business Auto Insurance?

Business auto insurance protects your company’s assets from liabilities associated with company owned vehicles, such as accidents and breakdowns.

How much does Business Auto Insurance cost?

Cost will vary depending on the number of vehicles you need to insure, who will be driving company owned vehicles, and a variety of other factors. Speaking with a business auto insurance expert from Ansay is the best way to get an accurate range of quotes.

Are Auto Insurance rates higher or lower for business use?

Typically, commercial auto insurance is higher than personal auto insurance because there is a risk of higher liability. Additionally, the vehicles are much more frequently in use.

Do I need Business Auto Insurance for a sole proprietorship?

Although not a legal requirement in all states, business auto insurance coverage for a sole proprietor is very important. As a sole proprietor you lack the layers of protection offered by an LLC or S-Corp designation, putting all of your assets at risk in the event of an auto accident while working.

Contact Us

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Looking to protect your company assets from auto liabilities, contact one of our specialists at Ansay – we’ll make sure your business is protected and that you receive the most competitive rates on the market.

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