• Commercial auto insurance is required by state law for anyone who drives a vehicle, including for business use
• Protects your business from loss if your commercial vehicle is damaged
• Protects your business from the cost of damages to other vehicles and property as well as injuries to your workers, other drivers or passengers

How We Can Help Your Business

Commercial auto insurance is different from personal auto insurance. S&K Insurance understands the unique needs of businesses that require commercial auto insurance. Even a small business may require a commercial auto policy because their personal auto policy may not provide the right amount of coverage for your business.

Whether you own one vehicle used for business purposes or a fleet of commercial vehicles, you need coverage to protect your business from loss. You must consider what would happen if your vehicle is involved in an accident. Commercial auto insurance pays for damages to your vehicle and all other property. It also pays for medical expenses for your driver and passengers as well as others injured in the other vehicles. If your vehicle is used as a mobile workstation, you may have other equipment to consider as well.

The cost of commercial auto insurance can vary based on your business. For instance, a business that has vehicles for transporting people or carrying cargo may need more insurance than one that is just used to take employees from one place to another. Collision insurance may be more costly if you have modified it with special equipment for your business.

S&K Insurance can help you determine the right amount of coverage for your budget and needs. You will want to consider both aspects of the policy, liability and comprehensive coverage to ensure your business is protected if an accident should occur.

Commercial Property Insurance

If your business owns property, buildings and equipment, you will need coverage that pays for repairs or replacement in a disaster. Fires, wind damage and earthquakes are just some of the issues that can lead to property damage for a business. The right insurance policy will take care of those expenses so your business can begin operating again as quickly as possible.