Commercial Auto Insurance Quotes Online – Commercial auto insurance is essential to protect your business from unexpected expenses if you or your employees are involved in an accident.
Whether you have a single work truck or a small fleet of delivery vehicles, your commercial auto insurance policy can provide coverage up to your policy limit for:
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When you purchase a new policy with NEXT Insurance, you can upgrade it to include rental and non-owned car insurance. This coverage provides additional protection when you or an employee use rental vehicles or if an employee ever uses a personal vehicle for work.
Personal Vs Commercial Auto Insurance
Perhaps you already have a personal auto insurance policy. Beautiful. But it probably won’t cover accidents that happen while you’re driving for your business.
Whether your vehicle is essential to your day-to-day operations or something you only use occasionally for work, you need an auto insurance policy tailored to your business.
Most states require that your business-owned vehicles be insured for certain types of accidents with commercial auto coverage. The most common state requirements are personal injury and property damage liability insurance.
The types of vehicles your business is using, how they are being used and who is using them will determine the specifics of the type of insurance you need.
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Even if you only have one car for all your transportation needs, you are exposed to different risks when you drive for business than when you drive for personal reasons. You may need the broader coverage offered in a commercial auto policy.
If you have employees operating your cars, your commercial auto insurance policy may also cover them up to the policy limits.
Commercial auto insurance is essential for your customers as well. Having the right car insurance shows that your business is prepared for the unexpected. You know things don’t always go exactly to plan, but your customers can be sure they’ll get the same reliable service.
Some clients may require you to have a certificate of insurance before they agree to work with you.
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Commercial auto insurance helps cover injuries and damages resulting from work-related auto accidents. Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage.
The cost of commercial auto insurance can range from $62.5 to $250 per month, depending on your insurance history, number of vehicles you own, type of vehicle and usage.
The best way to find out how much a policy will cost for your business is to get a free commercial auto insurance quote online. You’ll just need to answer a few questions to get your quote in less than 10 minutes.
Common factors that affect the price of a commercial auto insurance policy include your claims and insurance history, the number of cars your business is insuring, the type of vehicle and how you plan to use the vehicle.
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We offer affordable pricing and monthly payment options that can be canceled at any time with no additional fees. Our online claims service is accessible whenever and wherever you need it, with the support of our licensed insurance advisors.
Once you share your information, you’ll have instant access to a personalized online quote for commercial auto insurance and other recommended coverage.
If you like what you see, you can adjust the package limits and make your purchase. Your insurance will start immediately after payment and you will have access to your insurance certificate.
Learn about commercial auto insurance with the most frequently asked questions about our coverage. If you can’t find the answers you’re looking for, our licensed insurance advisors are ready to help.
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Other drivers may occasionally use the vehicle and still be protected by your coverage, but may not be covered if they are found to be regularly using the vehicle for your business.
If you have business vehicles that you or your employees drive, you will need commercial auto insurance. This is required by law in almost every state.
Even if you drive a car for work that’s not part of your business, you’ll need to get commercial auto coverage. This is because your personal auto insurance will usually not provide coverage if you are driving your vehicle for business reasons.
Let’s say you are a house cleaner and you drive your personal vehicle to all the houses you clean. You may think that the regular car insurance you got when you bought the care is enough, but if you’re in an accident on your way to work, you may not be covered.
Business Auto Insurance For Your Commercial Business
Small businesses may sometimes require employees to drive their own cars for a job or rent vehicles. Rental and non-owned vehicle insurance is a form of commercial auto coverage that helps pay for accident damages in these cases. You can add it as an upgrade to commercial auto insurance from NEXT.
Yes! If you use your personal vehicle for business purposes, we may insure it under our commercial vehicle policy.
For example, if you own a van that you use for personal travel as well as your work as a painter, it will be covered by our policy when used for business purposes.
It is important to note that we are unable to provide coverage for some high-end vehicles and vehicles larger than standard trucks or SUVs.
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Yes, if your vehicle is covered by our commercial motor insurance, it will be protected when driven for personal or business use.
For example, if you use that vehicle for your registered business to go to work sites and sometimes use it on weekends to transport your fishing equipment, commercial auto insurance would cover your fishing trips.
For example, if you have a pickup truck that you use to transport ladders and power tools, the policy would cover the truck but not the equipment.
If you are worried about running out of your equipment, you should consider purchasing tools and equipment insurance. If you regularly transport your tools in your vehicle, this coverage will help replace or repair any damaged or stolen equipment.
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You can insure 10 vehicles and up to 15 drivers with your commercial auto policy from NEXT. (Note: This is limited to four vehicles and eight drivers in California).
These vehicles can be owned by the business or business owner, as long as they are used for business purposes. Unfortunately, we cannot cover some cars or high-end vehicles larger than standard trucks or SUVs at this time.
No, we will not change your price during the period of an active policy or cancel your coverage due to a claim. We understand that submitting a claim is stressful enough without having to worry about it affecting your price.
However, at the end of your policy period, we will review the details of your business and vehicle activity. If either has changed since you first applied, we’ll adjust the price up or down accordingly when you renew.
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No. Unfortunately, our current policy cannot cover food trucks or mobile businesses that operate from a van or truck.
For example, if you own a dog grooming business with a brick and mortar location, we may offer insurance if you drive to groom the dogs at different locations, but we may not offer insurance if you groom the dogs in one unit mobile.
Yes. You can purchase a commercial vehicle on its own, but we recommend that you purchase liability insurance along with your commercial vehicle insurance. General liability insurance can protect your business from certain costs, including medical expenses, legal costs and more. When you buy both policies together, you also get a discount on them.
To add a policy, please call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday through Friday or email us at support@.
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No, commercial auto insurance is almost always more expensive than personal car insurance. Policies that cover just your car, or several of your family’s cars, typically provide protection against collisions, personal injuries, and medical payments, but they don’t take into account the much more dangerous situations that commercial auto insurance covers.
When you are transporting people or goods or providing a service with your vehicle, you are at risk of claims being made against you for property damage or injured parties. The commercial vehicle as needed has higher liability limits, which ends up costing you more each month than you pay for your personal vehicle.
Yes, you certainly can! This policy will cover you if you need to go overseas for your business operations.
Beyond the United States, coverage also includes Canada and Puerto Rico. Mexico is not included in our commercial vehicle policies.
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No, we are only focused on business insurance. It is important to know that a commercial auto policy can be used to insure your personal vehicle if that vehicle is used for your registered business.
For example, if you own a truck that you use for personal travel as well as your job as a landscaper, it will be covered by our policy when used for business purposes.
We understand that an entirely online process is new and may be surprising to some people. But to get a commercial auto policy, we’ll need your driver’s license number. You will not be able to purchase your policy without one.
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