Commercial Auto Insurance

Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, should be properly covered by a commercial auto insurance policy.

What is commercial auto insurance?

Commercial auto insurance provides liability and physical damage coverage for vehicles used by your business. This includes cars, vans, commercial trucks, and other types of vehicles. Commercial auto policies offer different levels of coverage than personal policies. This is because business vehicles tend to need higher limits to help protect the business in case of accidents. With affordable rates, outstanding customer service, and experience you can count on, allegiant can help you with your commercial auto insurance needs.

Do I need commercial vehicle insurance?

If you're a business owner and use a vehicle for any part of your business operations, you should have a commercial auto policy. allegiant understands what's important to you. When it comes to protecting your business, don't take any chances. allegiant can help get you the right coverage at a great price.

What vehicles are covered under commercial auto insurance?

Commercial auto insurance covers cars used for business purposes as well as box trucks, food trucks, service utility trucks, and more. Whether it's transporting goods, using your vehicle to conduct a service, or employees operating a vehicle, you may need a commercial auto policy.

We're here to help you with commercial vehicle insurance.

Allegiant can create a custom commercial auto policy to meet your business's needs. With competitive rates and great service allegiant can help you get the commercial auto policy that works best for you. Learn more about commercial auto insurance and see examples of when you need it. Or call us at (858)771-2000

Commercial Auto Insurance: Get the answers you're looking for

The Allegiant staff is happy to review the details of a commercial auto policy whether you own one business vehicle or truck or a fleet of automobiles and trucks. Depending on your operation and specific needs, we will review the bodily injury and property damage liability limits you should carry, what comprehensive and collision deductibles make sense based on the age of your vehicles, and other important coverage options available to address your exposures. 

There are three important issues to consider in determining if you need to buy business auto insurance: 

  • Vehicle Ownership: If your company owns any vehicles, even one, you need to purchase commercial auto insurance.
  • Vehicle Use: If you or your employees use your personal vehicle for business purposes, for example, to go on sales calls, visit clients, attend conferences, etc., you need a commercial auto policy.
  • Vehicle Make and Model: Vehicles over a certain gross weight must be covered under commercial auto insurance.

A commercial auto policy will protect your business in the event of an at-fault accident that causes bodily injury or property damage to a third party. Collision and comprehensive coverages protect your vehicles, no matter who is at fault for the damage. The policy can also extend coverage with non-owned vehicle insurance when you or your employees use personal vehicles for business purposes.

Allegiant specializes in providing businesses of all sizes with commercial auto insurance as part of delivering a comprehensive insurance program. We have strong relationships with a network of insurance carriers to secure a competitively priced policy to meet your specific needs. Each policy is backed by our commitment to provide quality customer service – from the time you choose us for your insurance protection, to making changes along the way to meet your business needs and, of course, in the event of a vehicular accident. You can rely on us to be your advocate during the claims process. 

Yes! As a full-service agency, Allegiant provides businesses of all sizes with commercial property, commercial liability and workers compensation insurance in addition to commercial auto coverage. We also offer errors and omissions insurance for businesses that provide professional services such as consulting and design services. In addition, we provide employment practices liability insurance to respond to employee allegations of workplace discrimination, harassment, wrongful firing and other claims. Umbrella insurance is available to provide additional coverage when the limits in the business’s primary liability policies are exhausted. Umbrella insurance is designed to respond in the event of catastrophic liability losses. 

Key employee insurance protects businesses should a key employee die or become disabled, providing the funding to help continue the business and offset the costs from the loss of valuable talent.  We also provided business with employee health insurance options.

Speak to one of our professional agents for your Auto Insurance needs
Call (858)771-2000

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