Commercial Auto Insurance

Commercial Auto Insurance for Illinois

As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal use -- liability, collision and comprehensive, medical payments and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal or named insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments for the driver and passengers of the policyholder's car. Injuries or damage to someone else are also covered. 

Hired/Non-owned Auto Liability

Are you renting cars or are your employees in Illinois or Wisconsin using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.  

Every business is unique – talk to R Hobbs Insurance Agency today to find out how to get the best commercial auto insurance, service, price and value. Give us a call at (847) 680-0888 or email us at chris@rhobbsinsurance.com.

For more information, check out our blog at https://www.rhobbsinsurance.com/blog/what-is-commercial-auto-insurance.aspx