BUSINESS AUTO AND COMMERCIAL VEHICLE INSURANCE
Coverage For All Your Business-Related Transportation Needs
Coverage for Business-Related Needs
If you use your vehicle beyond commuting to and from work, you need a Business Auto Insurance policy. If you own a car or fleet of vehicles exclusively used for business, you need Commercial Auto Insurance. AIS Business Specialists are experts and can customize a policy that’s right for you.
What to Know About Business Auto and Commercial Vehicle Insurance
Business Insurance transfers the financial consequences of a covered incident to the insurance carrier. Business Auto and Commercial Vehicle Insurance provides additional coverage that a standard personal auto policy cannot. Even other drivers and vehicles not owned by your business may be covered in work-related incidents. Also, cargo being transported may be covered.
Additional Coverages You Can Purchase
This certificate is for adding an insured party, not just an additional driver. The added insured party can be anyone that seeks to be protected in the case of an accident, whether or not they drive the vehicle. Such can be the case with companies, affiliates, or any party with a financial interest in your operations.
This is a coverage designed for instances where you (the insured) is responsible for injuries to another person as a result of an accident. This may include sickness, disease, pain and suffering, emotional distress, loss of income, and even death.
Collision coverage may pay for damages and impact with another vehicle, object, a person outside the vehicle. Usually, collision coverage is subject to a deductible.
Comprehensive coverage may pay for direct and accidental damage to your (the insured) automobile other than that caused by a collision. Coverage is usually subject to a deductible.
Extends coverage onto a vehicle that you or your employee rent (“hire”) for work purposes. Example: Your employee has an out-of-state trip and you want to extend coverage onto the rental car on that business trip.
Med Pay provides coverage for certain medical and funeral expenses for all those occupying a covered vehicle involved in an accident regardless of who is at-fault.
This is a collection of coverages that extends your Business Auto Insurance to protect you and your employees when driving a vehicle that is not owned by your company.
Within specified limits, PIP is coverage that may pay the medical, hospital, and funeral expenses of the insured person, people in the insured vehicle, and pedestrians struck by the insured vehicle. PIP is required in no-fault insurance states.
In the case you damage or destroy (including loss of use) a third party's property, Personal Damage Liability Insurance my cover that loss. Property damage is measured based on the reduction in value of the damaged property.
If an uninsured driver is responsible for an accident, this coverage may pay for the insured’s injuries. It may also cover the bodily-injury expense of the insured and passengers in the vehicle. This coverage is generally written with a per-person and per-occurrence limit.
Reasons to Partner with AIS Insurance
Whether your buy a policy online or speak with our specialists, AIS will go above and beyond to help you meet your Business Insurance needs. This is valuable to business owners as we continue to look for the best rates and coverage for your business as it evolves, grows, and adapts. AIS’s Business Insurance department is made of a group of experts—true specialists that listen to your needs and have a deep understanding of your potential areas of liability.
Whether you’re using your car for work, have a designated vehicle, or have a fleet, AIS can help you find the right Business Auto coverage. Choosing an insurance policy for your business can be more complicated than buying a personal policy. See how much money we can help you save while providing the best coverage for your company’s Auto Insurance needs.
Additional Insurance Coverages to Bundle
Wouldn’t it be great if you could save money on insuring your business and all of its assets? AIS finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.