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The Trusted Source For Commercial Auto Insurance in Elgin

Your Commercial Auto Insurance Specialists

Business owners are responsible for overseeing all parts of their business, and, chances are, there are vehicles involved in one way or another. From delivery vehicles to taxis to limos to buses, business owners must seek multiple car insurance quotes in Elgin to find the best available rates. Commercial auto insurance is pivotal to cover accidents or injuries relating to your business’ vehicles.

Thankfully, our team at Insured ASAP can help you easily find the comprehensive and affordable commercial auto insurance that you need. We take pride in being a leading provider of small business insurance.

What Vehicles are Covered?

Commercial auto insurance applies to the following types of commercial automobiles:

  • Company cars
  • SUVs
  • Buses
  • Limos
  • Taxis
  • Food trucks
  • Cargo vans
  • Tow trucks
  • Pickup trucks
  • Contractors

Insurance companies will look at how often the vehicle is driven and how many miles each vehicle is driven on an annual basis. Please note that this list is not exhaustive and that you can contact our team with any questions that you have about specific types of vehicles that are or are not covered.

What Type of Commercial Coverage is Necessary?

You must understand the risks and types of coverage that accompanies commercial auto insurance. On a basic level, commercial auto insurance is similar to personal auto insurance as it covers areas such as liability and collision. However, commercial auto insurance policies are also designed to protect your business to ensure you don’t encounter a large financial loss.

The typical commercial auto insurance policy includes the following areas:

Bodily injury liability: In the case that an employee causes an accident and becomes injured, bodily injury liability helps cover the costs for not only your employee but other injured parties as well. The specific amount of compensation that you’ll receive is dependent upon your predetermined limit in addition to your deductible.

Property damage liability: If you or an employee get into an accident that causes damage to someone else’s property, property damage liability kicks in to provide coverage.

Collision: Collision coverage is designed to pay for any vehicle damage caused in the accident.

Comprehensive: Comprehensive coverage protects you and your employees from unforeseen circumstances such as weather, vandalism, and theft.

Uninsured and underinsured motorists: If you or an employee driving one of your vehicles is involved in an accident with someone who doesn’t have insurance or doesn’t have the right type of coverage, this portion of coverage will kick in to pay for damages and injuries.

There are other additional add-ons that you may be interested in when searching for car insurance quotes near Elgin. For example, you may be interested in opting for coverage that kicks in if you or an employee is driving a car or truck that the company does not own. Our team at Insured ASAP can walk you through your options and provide recommendations based on our expertise.

What About Personal Use?

If you’re a small business owner or entrepreneur, you likely have a car of your own that isn’t associated with your business. In this case, your personal auto insurance will not carry over if someone from your company drives your vehicle on a business-related errand or task.

Let’s Get to Know Each Other

As an independent insurance company, you’re able to explore all of your commercial car insurance options in one place. To get started, we will get to know your business so we can better provide recommendations to fit your needs. We will ask you some questions such as “how many commercial vehicles does your company have?” or “how many miles are on each vehicle?” This will help us provide you with a quote that is accurate.

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