Commercial Auto Insurance for Business Vehicles
Protection your business, drivers and vehicles with flexible coverage.
Pennsylvania Commercial Auto
Bodily Injury Liability
Covers injuries you cause to others by your business vehicle.
Property Damage Liability
Covers damage you cause to another person’s vehicle or property.
Medical Payments (MedPay)
Covers medical bills for occupants of your vehicle.
Full Tort Option
Gives full legal rights to sue for pain and suffering.
Optional Coverage Add‑Ons
(These can be added for extra protection.)
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Collision & Comprehensive – Covers physical damage to your business vehicles from accidents, theft, vandalism, fire, weather, and more.
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Uninsured Motorist (UM) – Protects your business if an at‑fault driver has no insurance, covering injuries and damages to your vehicle.
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Underinsured Motorist (UIM) – Protects your business if the at‑fault driver’s insurance limits are too low to cover the full cost of injuries or damages.
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Income Loss Benefits – Provides income replacement if a covered driver cannot work due to accident‑related injuries.
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Accidental Death Benefit – Pays a lump‑sum benefit to the insured’s family if a covered driver dies as a result of an auto accident.
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Funeral Expense Benefit – Helps cover funeral and burial costs after a fatal accident involving a covered driver.
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Hired & Non‑Owned Auto – Covers liability for vehicles your business rents or vehicles owned by employees but used for business purposes.
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Cargo & Equipment Coverage – Protects tools, materials, and equipment being transported in your commercial vehicles.
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Rental Reimbursement – Covers the cost of a rental vehicle while your commercial vehicle is being repaired after a covered loss.
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Roadside Assistance – Provides towing, battery service, lockout assistance, and emergency roadside help.
New Jersey Standard Coverages
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Bodily Injury Liability-Required with NJ‑specific minimum limits; covers injuries caused by your business vehicle.
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Property Damage Liability – Covers damage your business vehicle causes to another person’s property. Personal Injury
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Protection (PIP) – Covers medical expenses, lost wages, and essential services for drivers and passengers.
New Jersey Optional Coverage Add‑Ons
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Collision & Comprehensive – Covers physical damage to your business vehicles from accidents and non‑collision events.
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Hired & Non‑Owned Auto – Covers rented vehicles or employee‑owned vehicles used for business.
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Uninsured Motorist (UM) – Protects your business if an at‑fault driver has no insurance.
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Underinsured Motorist (UIM) – Protects your business if the at‑fault driver’s limits are insufficient.
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Roadside Assistance – Towing, lockouts, battery service, and emergency help.
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Rental Reimbursement – Covers rental vehicle costs while your commercial vehicle is being repaired.
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Cargo Coverage – Protects goods, materials, and equipment in transit.
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Fleet Policies – Covers multiple business vehicles under one policy.
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Gap Coverage – Covers the difference between loan/lease balance and actual cash value after a total loss.
Why Choose Us?
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Multi‑carrier commercial markets
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Fast COIs
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Flexible coverage
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Local business expertise