Commercial Auto Insurance

Commercial Auto

While transportation and the ownership of company vehicles can help streamline your business and increase productivity, they can also add another dimension of risk.  At Marshall Young Insurance, we understand you need more than standard protection while on or off the road. That’s why our Commercial Auto policies include a variety of coverage enhancements that do a better job of protecting your business, and your bottom line.

Whether you have a single company car or a fleet of vehicles, Marshall Young Insurance brings together the right mix of coverages your business needs in one convenient policy.

Goes Where You Go

Auto policies offer far-reaching protection that can be tailored and enhanced in any number of ways to fit any type business or size. Listed below are just a few of the options that are available on our Commercial Auto policies that can help keep you moving ahead. Some of the optional coverages that you may select include:

• Bodily Injury and Property Damage Liability - If you or one of your employees are held liable for someone's injury or property damage, the policy can help protect your business against financial loss.
• Physical Damage (Collision) - Covers the damage caused by another vehicle or a stationary object, like a building, telephone pole, or guardrail.
• Physical Damage (Comprehensive) - Covers damages caused by a variety of risks, including fire, lightning, theft, vandalism, hail and flood.
• Hired Auto Physical Damage - Provides up to set limits in physical damage coverage for vehicles your business hires or borrows - as long as you have liability coverage on those you hire, and physical damage coverage on those you own.
• Hired Auto and Non-Owned Auto - Coverage for bodily injury or property damage that occurs during the use, loading or unloading of hired or non-owned vehicles used for your business.
• Uninsured/Underinsured Motorist - Uninsured/underinsured motorist coverage protects you in case you are injured in an accident caused by the negligent operation of an uninsured auto or by a hit-and-run motorist. It also protects you in case you are injured by someone who has less liability coverage than necessary to cover the loss.
• Medical Payments for You or Your Passengers - Whether in an accident or struck by another vehicle, this provision pays your medical expenses (if they’re not covered by workers' compensation) as well as those of your passengers.
• Autos Rented by Employees - Provides rental coverage for your employees– in their own name.
• Electronic Equipment Coverage – This coverage includes popular electronics like a GPS or DVD player.
• Glass Repair - Get damaged glass repaired rather than replaced. Some companies will even waive your deductible.
• Lease & Loan Gap Coverage - Due to the steep depreciation in vehicle value, particularly in the first year of ownership, many insureds owe more on a total loss to their lease or lien holder than the actual cash value of the vehicle.  These coverages ensure that gap is paid on behalf of the policyholder and – unlike most of our competitors - are provided at no additional charge.
• Temporary Transportation Expense - In the event your car is stolen, this coverage will help pay for alternate transportation.
• Airbag Coverage - Physical Damage coverage is expanded to cover the expense to reset or replace an airbag that inflates even if the covered auto incurs no physical damage.