Commercial Auto Insurance: Keeping Your Fleet & Future Protected

Compare multiple carriers to find the perfect coverage for your commercial vehicles at competitive rates

Safeguard Your Business on Every Route

Commercial auto insurance is essential protection for businesses that rely on vehicles for their operations. At FOCO Insurance, we understand that your vehicles are crucial to your success. Whether you operate a single delivery van or manage a fleet of trucks, our local expertise helps you navigate coverage options from multiple carriers to find the perfect balance of protection and value. We'll ensure you meet all legal requirements while protecting your business assets with comprehensive coverage tailored to your specific needs.

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FAQs

What is a commercial auto insurance endorsement?

An endorsement modifies your policy to add or change coverage, such as adding rental reimbursement or roadside assistance.

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How can I lower my commercial auto insurance premiums?

Implement driver safety programs, maintain vehicles properly, hire experienced drivers with clean records, and shop around for competitive rates.

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What is symbol 1 coverage in commercial auto policies?

Symbol 1 provides the broadest coverage, applying to any auto, offering liability coverage for any vehicle used in your business.

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Do I need commercial auto insurance if I have a small fleet?

Yes, any number of vehicles used for business requires commercial auto insurance to ensure adequate coverage and compliance with laws.

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Is commercial auto insurance mandatory?

Yes, businesses must carry at least the minimum required liability coverage as mandated by state laws for vehicles used commercially.

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Can I use my personal vehicle for business without commercial insurance?

Using a personal vehicle for business may not be covered under personal auto insurance, risking denied claims; commercial auto insurance is recommended.

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Can independent contractors be covered under my commercial auto policy?

Yes, but you need to list them as drivers on your policy or ensure they have their own insurance that meets your coverage requirements.

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What happens if my employee has an accident in a company vehicle?

The commercial auto insurance policy covers accidents caused by your employees while driving company vehicles for business purposes.

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What is combined single limit (CSL) in commercial auto insurance?

CSL is a single limit of coverage for both bodily injury and property damage, offering more flexibility compared to split limits.

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How do I file a claim under my commercial auto insurance policy?

Report the incident to your insurance provider promptly, provide necessary details and documentation, and cooperate with any investigations.

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Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.