Hastings Insurance Logo
  • Insurance
  • About Us
  • Safety Tips
  • Blog
  • Find an Agent
  • Contact
  • Login
  • magnifying glass icon
 

Commercial Auto Insurance - There for You and Your Business

Secure your
future today!

Get a Quote

Explore Our Comprehensive Business Auto Insurance Options

Many businesses, large or small, often rely on vehicles to keep their daily operations running smoothly. This goes beyond just keeping them on the road. Business owners must diligently manage their fleets, and they deserve robust protection against potential risks.

Your business is your life, and our life is your business. We are the agile, stable risk management advisors that have your back. While you focus on growing your business, we focus on protecting it. With specialized Business insurance programs to pinpoint your business’s unique needs, we give you the protection to reach beyond your potential.

Understanding Commercial Auto Insurance

Commercial Auto insurance, or Business Auto insurance as it is also known, is a specialized form of coverage designed for businesses that use vehicles for their operations. Commercial vehicles, like delivery vans and company trucks, face different risks than personal vehicles. This is why they need special insurance.

Hastings offers complete auto insurance for commercial vehicles. This coverage protects against accidents, property damage, and liability claims. With this insurance, your business can keep moving forward without financial stress.

Types of Commercial Auto Insurance

Commercial Auto insurance is not a one-size-fits-all solution. It includes various types of coverage that cater to different aspects of your business’s vehicle needs.

Liability Insurance

This coverage protects against injuries or damages caused by your commercial vehicle while on the road.

Collision and Comprehensive Coverage

Collision insurance covers damage from accidents, while Comprehensive insurance covers non-collision-related events like theft or weather damage.

Uninsured/Underinsured Motorist Coverage

If your commercial vehicle is in an accident with an underinsured driver, this coverage makes sure your business does not have to pay for damages and injuries out of your own pocket.

Business Auto Protection Plus

Extra protection for your business vehicles, including coverage for glass repair, loan/lease gaps, rented vehicle damage, and more.

Why Commercial Auto Insurance is Essential

Operating a business with vehicles comes with its own set of challenges and risks. Commercial Auto insurance offers crucial financial protection and peace of mind, allowing you to focus on running your business.

Protects Your Fleet

Your commercial vehicles represent a significant investment of time and money. Auto insurance for business vehicles protects your assets from damage or theft. This coverage helps your business keep running smoothly after an accident or loss.

 
Covers Liability Risks

Business Auto insurance covers legal fees for road accidents or delivery mistakes. It also pays for medical expenses if someone is injured. Additionally, it covers costs for property damage caused by your commercial vehicle.

 
Ensures Business Continuity

If your business vehicle needs to be taken off the road for repairs due to an accident, Commercial Auto insurance helps cover the cost of renting or replacing the vehicle. This ensures that your business continues to function without major setbacks.

 

Key Benefits of Commercial Auto Insurance

Financial Security

Commercial Auto insurance covers the costs of vehicle damage and legal claims, preventing significant financial losses that could otherwise jeopardize your business.

Enhanced Reputation

Suppliers, customers, and partners are more likely to trust a business that is fully insured. By having insurance for commercial auto, you show that you’re prepared for any eventuality, enhancing your credibility and professionalism.

Peace of Mind

With the right Business Auto insurance in place, you can focus on growing your business and managing your fleet, rather than worrying about potential accidents, breakdowns, or liability claims.

Common Claims and How Commercial Auto Insurance Helps

Accidents on the Road

Accidents are one of the most common claims. Whether it’s a fender-bender or a serious collision, Commercial Auto insurance covers vehicle repairs, medical costs, and legal fees, ensuring your business can recover quickly.

Vehicle Theft or Damage

If one of your business vehicles is stolen or vandalized, Comprehensive insurance covers the cost of replacing or repairing the vehicle, minimizing downtime and ensuring your fleet stays operational.

Uninsured Motorist Accidents

If your commercial vehicle is involved in an accident with a driver who lacks sufficient insurance coverage, Uninsured/Underinsured Motorist coverage ensures that your business doesn’t bear the cost of repairs or medical expenses.

Commercial Auto Insurance

Hastings offers Commercial Auto insurance solutions designed to meet the specific needs of your business vehicles. We have a policy that provides comprehensive protection for your commercial vehicles, drivers, and cargo.

Commercial Auto insurance is more than just a precaution—it’s a vital safeguard that ensures your business can thrive despite the risks associated with road travel. Protect your fleet today with the right insurance coverage from Hastings, and keep your business moving forward with confidence.

FAQs About Commercial Auto Insurance

What does Commercial Auto insurance cover?

Commercial Auto insurance typically covers vehicle damage (Collision and Comprehensive) and Uninsured Motorist protection. These coverages protect your business vehicles and drivers from accidents, injuries, and financial losses due to operational disruptions.

How much does Commercial Auto insurance cost?

The cost of Commercial Auto insurance varies depending on factors like the size of your fleet, the type of vehicles you use, and the distance they travel. Hastings provides customized quotes to fit your specific needs and budget.

Can I get coverage for a small fleet?

Yes, Hastings can tailor Business Auto insurance to cover fleets of all sizes, from a single vehicle to a large fleet of trucks or vans. Our policies are flexible and scalable, ensuring you get the right level of protection.

What happens if one of my drivers causes an accident?

If one of your drivers is at fault in an accident, Commercial Auto insurance may cover the resulting medical expenses, property damage, and legal fees. This protects your business from potentially costly liability claims.

How do I find an Agent near me?

Visit our insurance Agent locator to find an Agent near you and get started.

Check Out All Our Products

Commercial Insurance Built for You

We offer a wide range of Commercial insurance products. Find the product that's right for you!

Types of Business Insurance
 
Get Insurance for Your Car and Home

You need to protect more than just your business. Get insurance for your personal property too!

Personal Lines Insurance
 
Insurance for All Types of Farms

Hastings offers a range of products specifically designed for farmers.

Farm Insurance

What Sets Hastings Apart

Hastings stands out for our dedication to providing personalized service and comprehensive coverage, including:

  • Industry Expertise: Deep understanding of your industry and its unique risks.

  • Wide Range of Coverage Options: Offering insurance solutions that address the diverse needs of different businesses.

  • Excellent Customer Service: Dedicated support from knowledgeable agents.

  • Loss Control: Personalized loss control and safety plans.

Secure your
future today!

Get a Quote

Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by Hastings Insurance Company (Hastings). Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

Hastings Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058

 

Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)

 

(800) 442-8277


Insurance Journal Super Regional P/C Insurer
A.M. Best's Standing the Test of Time - rated A or higher for 50 years
CIO 100 Winner
Hastings Mutual Insurance Company BBB Business Review

Find An Agent
Report a Claim
Make A Payment

Login

  • Careers
  • Contact
  • In the News

Terms of Use and Privacy Statement©  Hastings Insurance Company. All rights reserved.

  1. Home
  2. Insurance
  3. Commercial Lines Insurance
  4. Commercial Auto Insurance