Don’t make the mistake of thinking one of your existing insurance policies will cover company vehicles in the event of an accident. Business vehicles are not covered by policies like general liability or regular auto insurance. Only a Commercial Auto policy can cover company vehicles, but it’s important to customize a policy that fits your needs so you aren’t stuck paying for details that don’t serve your business.
At DJM Insurance, we take the time to get to know your business so you can choose the right Commercial Auto Insurance policy from among dozens of carriers.
From collision insurance to medical payments, property damage liability, and more, one of our expert insurance brokers will help you determine exactly which details you need to add to your plan. We consider the types of vehicles you’re insuring, how many vehicles there are in your fleet, and who’s driving, as well as local and state regulations, when customizing a policy just for you.
Why choose DJM for Commercial Auto Insurance?
Commercial Auto Insurance can bring you peace of mind knowing your employees and business are protected if there’s an accident, but only if you have the right policy. At DJM Insurance, we are committed to providing our clients with the right insurance policy and educating you on the details of that policy, so you know exactly what it includes and what it costs. Other reasons you’ll love working with DJM include:
- Quick, Easy, and Accurate Quotes
- Policy Options From Dozens of Providers
- Personalized Policies
- Decades of Experience in the Insurance Industry
- Unlimited Customer Support
- We Guarantee Your Complete Satisfaction With Our Service
Everything you need to know
Have questions about Commercial Auto insurance?
We take our job of making insurance easy seriously, which means helping you through every step of the process. That starts with answering your questions! Here are a few answers to some basic questions about Commercial Auto Insurance. For other questions, give us a call or fill out our form on our contact page.
Commercial Auto Insurance is a policy that covers vehicles that are used when conducting business. It can help cover physical damage and liability in the event of an accident when you or other employees are driving company vehicles on the clock.
If you use a vehicle for work purposes, or if you have employees who drive vehicles while they're on the clock, you should have Commercial Car Insurance. It’s just as important for a company that only has one or two company cars to have a policy as it is a large shipping and transport company that has dozens of drivers.
The cost of Commercial Auto Insurance can vary widely. Depending on your policy, you may pay anywhere between $50 and $200 a month for a policy that can include a limit of up to $1 million. It’s important to cater a policy to fit your needs and budget, which is exactly what a representative from DJM can do.
First, you choose a policy that works for your unique situation and your budget. Then, you pay a monthly fee that represents the amount of coverage you have. If there should be any damages to one or more of your company vehicles, or should you or one of your employees get into an accident, you can file a claim and be reimbursed. A policy can also help prevent your company from getting sued, should an employee become injured and require payments for medical supports and procedures.
Personal Auto Insurance covers personal use of a vehicle for the people who are listed as drivers on the policy. If you get into an accident while conducting business, you may find that your policy doesn't cover the damages because personal and business policies are rated and priced differently. You could also discover that you don’t need commercial insurance for a small operation, but it’s best to check with a member of the DJM team to make sure you’re covered properly.
How can we help you?
Let’s talk about your insurance needs. Connect with our team of experts to answer any questions and find the insurance that is right for you.