We’re the Commercial Auto Insurance Specialists in Lynnwood, Washington
At Villa Insurance Group, we understand the unique needs of business owners. Whether you operate delivery vehicles, taxis, limos, or buses, having the right commercial auto insurance is essential to protecting your investments.
What Commercial Auto Coverage Do You Need?
What risks do you, your drivers, and your business face? Commercial auto insurance can help cover accidents, injuries, and other unexpected incidents that could impact your bottom line.
Driver Distraction and Commercial Vehicle Operation
A 2009 Department of Transportation study revealed:
- Non-driving tasks contributed to 71% of commercial motor vehicle (CMV) crashes.
- Distracted driving caused 46% of near-crashes and 50% of safety-critical events.
Types of Vehicles Commercial Auto Insurance Covers
Commercial auto insurance applies to most business vehicles, including:
- Company cars
- Cargo vans
- Limousines
- Taxis
- Buses
- SUVs
- Pickup trucks
It also covers personal vehicles used for business purposes. Insurance companies assess factors such as vehicle usage, mileage, and safety practices to determine coverage needs.
For large trucks and heavy equipment coverage, refer to the commercial truck insurance section.
What Does Commercial Auto Insurance Cover?
Similar to personal auto policies, commercial auto insurance includes:
Required Coverage
- Bodily Injury Liability: Covers medical expenses, legal fees, and more for injuries caused by your business vehicle.
- Property Damage Liability: Pays for damages to property caused by your vehicle.
Additional Coverage Options
- Collision: Covers vehicle repairs after an accident caused by your driver.
- Comprehensive: Protects against non-collision damages, like theft, weather, or vandalism.
- Uninsured/Underinsured Motorist: Covers damages if another driver lacks adequate insurance.
- Medical Payments: Pays for medical or funeral expenses for drivers and passengers.
- Optional Coverages: Includes roadside assistance, rental vehicle coverage, and cargo liability for businesses transporting goods.
Does Commercial Auto Insurance Cover Personal Use?
Many small business owners use personal vehicles for work. However, personal auto policies typically exclude commercial use. Without the proper coverage, accidents involving business-related tasks may leave you financially exposed.
Examples:
- An employee running errands in their personal car.
- Transporting goods or passengers for business purposes.
Villa Insurance Group can help ensure you have adequate coverage for all scenarios.
Why Choose Villa Insurance Group in Lynnwood?
We take the time to understand your business and its unique needs. Our team will assess your current coverage, explore discounts, and find the best policy for you.
We’ll ask questions like:
- How many commercial vehicles do you have?
- How are they used (e.g., transporting goods, hazardous materials, or people)?
- How many miles do they travel annually?
- Who are your drivers, and have they taken safety courses?
If you’re looking for commercial auto insurance in Lynnwood, Washington, or want to ensure your current coverage is competitive and comprehensive, let us provide an honest assessment. At Villa Insurance Group, we’re committed to helping you protect your business and its future.
How to get started with your Commercial Auto Insurance Comparison
No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.
Choosing an Independent Agent
Are you looking for commercial auto insurance in Lynnwood, WA? We are a local insurance independent agent protecting all aspects of your life, from your business to your autos and home, we have you covered! The benefit of choosing an independent agent like us means options. We have relationships with many top rated carriers to give you the auto insurance coverage you need that fits your budget. Don’t wait, call us today at (425) 771-9000 or visit our Quotes Online and start saving money.