Commercial Auto Insurance From a Massachusetts Based Insurance Specialist

Coonan Insurance Agency, Inc. can help you find affordable, quality Commercial Auto Insurance with ease!

We offer Commercial Auto Insurance coverage in Massachusetts, Maine, New Hampshire, Rhode Island, Maine, New York and Florida.

Please ask one of our agents how we can provide you with insurance across multiple states.

What is commercial auto insurance?

Operating vehicles comes with certain risks no matter who you are. Personal auto insurance often isn’t able to protect businesses against the risks that they face when using vehicles. For Massachusetts businesses, there’s commercial auto insurance.

Commercial auto insurance is specialized vehicle coverage for businesses. Coverage is most often purchased for vehicles that a business owns, but can insure vehicles a business uses yet doesn’t own.

Which businesses should purchase business auto insurance?

Most Massachusetts businesses that own or use vehicles are required per state law to carry at least some business auto insurance. Much more than what the state minimally requires is broadly recommended.

Because almost any business that has or uses a vehicle likely needs business auto insurance, policies are purchased by lots of different small businesses and large companies. For example, all of the following might need a policy:

  • Restaurants providing delivery services
  • Taxi and limousine services
  • Emergency response services
  • Local and regional delivery services
  • Contractors owning trucks or vans
  • Moving companies
  • Waste disposal companies
  • School districts

This list is by no means exhaustive, as many other businesses also need a policy.

Quotes Available in MA, RI, CT, NH, ME, NY and FL

Commercial Auto Insurance Massachusetts

What coverages are available through business auto insurance policies?

Business auto insurance policies usually come with a combination of coverages, which work together to offer extensive protection. Some common and important coverages are:

  • Personal Injury Protection (PIP): Typically covers injuries sustained by individuals in company-owned vehicles.
  • Bodily Injury Liability Coverage: Typically covers injuries sustained by third parties not in the company’s vehicle (e.g. pedestrians, other drivers, other passengers).
  • Collision Coverage: Typically covers damage to company vehicles resulting from accidents with other vehicles.
  • Comprehensive Coverage: Typically covers damage to company vehicles resulting from other events (e.g. trees, animals, burglaries).
  • Property Damage Liability Coverage: Typically covers damage to other property during an accident (e.g. other vehicles, buildings).

  • Underinsured and Uninsured Motorist Coverage: Typically covers accidents involving drivers with insufficient insurance.

Commercial Auto Insurance Massachusetts

What is hired and non-owned commercial auto coverage?

For businesses that use vehicles they do not own, hired and non-owned commercial auto coverage offers specialized coverage. Rather than providing the many protections that standard commercial auto policies might come with, hired and non-owned policies focus mostly on liability protection.

Should a driver cause an accident while working, hired and non-owned coverage might protect the business against liability lawsuits. It’s normally still the driver’s responsibility to insure their car or truck against damage.

Businesses that think this coverage might work for them should speak with an insurance agent who specializes in commercial auto policies.

Do sole proprietors who use a personal car need a business auto policy?

Self-employed sole proprietors normally need some form of commercial auto coverage, but this coverage doesn’t necessarily require a full business auto policy. 

Some personal auto insurance policies might offer sufficient coverage for basic work driving, either as an included or add-on protection. If such an option isn’t available through a current personal auto policy, there’s likely another policy option that would offer this.

If work-related driving exceeds what any personal auto policy will cover, then a business auto policy likely does have to be purchased.

A specialized insurance agent can help sole proprietors make sure they have sufficient coverage when using the same car for personal and work driving.

Commercial Auto Insurance Massachusetts

How much are premiums for business auto policies?

The cost of insuring vehicles that a business owns or uses varies dramatically. Type of vehicle, use of vehicle, driver qualifications, chosen coverages and past claims history are just a few of the many factors that insurance companies look at when setting premiums.

An independent insurance agent can help businesses check how much insuring their vehicles will be. Independent insurance agents have the freedom to compare quotes from several insurance companies, which makes it easy to see differences in costs and coverages.

In many cases, coverage can be had for quite an affordable premium after comparing quotes.

Coonan Insurance Agency

How can businesses in Massachusetts, and other states, get commercial auto insurance for their vehicles?

For help insuring one or more business vehicles, contact the independent insurance agents at Coonan Insurance Agency. Our Massachusetts agents will work closely with you to determine coverage needs, and then help you compare several commercial auto insurance policies that meet those needs. Together, we can make sure your business and its vehicles are well protected.

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