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Phone: (217) 773-3397
Email: chad@ynagency.com
339 Dorchester St, South Boston, MA 02127, United States of America
Commercial Auto
Business Vehicle Protection
Keeping Your Business Vehicles Safe and Sound
Commercial auto coverage is crucial for businesses that rely on vehicles for their operations. This type of protection ensures that your company’s vehicles, whether cars, trucks, or vans, are covered in the event of accidents, damage, or theft. With the right coverage, you can keep your fleet running smoothly and handle any unexpected events with confidence.
What factors influence the cost of commercial auto coverage?
Premiums are influenced by factors including the type and number of vehicles, their usage, the driving records of your employees, and the nature of your business. Higher risk factors or more extensive coverage options can impact the cost.
How does commercial auto coverage differ from personal auto insurance?
Commercial auto coverage is designed specifically for vehicles used in business operations and offers protections that personal auto insurance does not, such as higher liability limits and coverage for business-related activities.
What types of vehicles are covered under commercial auto insurance?
This coverage typically includes cars, trucks, vans, and any other vehicles used for business purposes. Specialized vehicles, such as delivery trucks or service vehicles, can also be covered with tailored policies.
We're Here to Help.
At Yingling & Nuessen, we understand the importance of keeping your business vehicles protected. Our team is dedicated to helping you find the right coverage for your fleet, offering tailored solutions to meet your specific needs. We provide expert advice and support to ensure that your vehicles are covered against various risks. Reach out today to discuss your options and secure the protection your business needs.
Driving Your Success
Acuity’s Support for Truckers
For over 40 years, Acuity has been dedicated to the trucking industry, offering more than just insurance. They provide extensive training and resources, including truck driving classes for their underwriters, loss control staff, and claims adjusters, and have a Trucking Specialist with over 30 years of experience to support truckers in their daily operations. Acuity’s comprehensive coverage options—ranging from Commercial Auto Liability to Cargo and Workers’ Compensation—are tailored to meet the unique needs of truckers, ensuring your business is fully protected.
Acuity's Tools for Compliance and Cost Reduction
Discover the Advantages of Acuity's Commercial Auto Insurance
| Built-in | Enhancements | |
|---|---|---|
| Airbag replacement after accidental discharge | Yes | |
| Accident involving combination truck, tractor, or trailer | One deductible | |
| Auto glass repair deductible | Waived | Waived |
| Bail bonds supplementary payment | $2,500 | $3,000 |
| Broadened bodily injury to include mental anguish | Yes | |
| Collision between vehicles insured by Acuity | Deductible waived | |
| Electronic logging devices or on-board recorders | $3,000 | $3,000 |
| Employees as insureds | Yes | |
| Fellow employee coverage | Yes | |
| Fire department service charge | $1,000 | |
| Fire extinguisher recharge | Yes | |
| Fuel in vehicle coverage | Yes | Yes |
| Hired auto physical damage coverage for PPVs/light trucks | $50,000 | |
| Increased sublimit for audio, visual, and electronic equipment coverage | $3,000 | |
| Knowledge of claim or suit | Broad. | Broad. |
| Loan/lease gap coverage for PPVs and light trucks | Yes | |
| Miscellaneous equipment used with covered vehicle | Yes | Yes |
| Newly acquired organizations as an insured | 180 days | 180 days |
| Reasonable expenses incurred supplementary payment | $300 | $300 |
| Rental reimbursement, business income, and extra expense coverage | $10,000 | |
| Rental reimbursement coverage for PPVs and light trucks | $75/day, max $1,500 | |
| Temporary substitute vehicle physical damage coverage | Yes | |
| Transportation expenses for PPVs and light trucks | $20/day, max $600 | $75/day, max $1,500 |
| Towing for covered autos after a covered loss | Yes | Yes |
| Waiver of subrogation for written contracts | Yes | |
| Worldwide coverage territory for hired auto | Yes |