Auto

PREPARE YOUR BUSINESS FOR
THE RISKS OF THE ROAD

You don’t need to own a taxi or trucking business to require commercial auto insurance. What you do need is your own insurance GPS…timely, knowledgeable guidance to map out your coverage strategy.

That’s where we can help, whether you own, lease or borrow a single subcompact or a fleet of heavy haulers. Fasten your seat belt, put away distractions, and let your Robertson Ryan agent help you drive with confidence.

  • Know you have the right coverage from the right provider
  • Understand the terms of that coverage
  • Get help if you need to make a claim

Commercial auto coverages

Check this overview of commercial auto insurance options, then talk with your Robertson Ryan agent to zero in on the policy types and coverage amounts appropriate for your business’s automobile insurance needs.

Liability

Pays damages for bodily injury or property damage for which you’re legally responsible through ownership, maintenance or use of an insured automobile. Also covers legal defense costs.

Medical Payments

Pays medical and funeral expenses you incur because of bodily injury caused by an accident. Covers you, your employees and anyone else in a covered auto, without regard to fault.

Uninsured/Underinsured Motorist

Uninsured coverage pays for bodily injury if you’re injured by an uninsured motorist, hit-and-run driver, or driver whose insurer becomes insolvent. Underinsured coverage takes over when damages exceed the other driver’s liability limits, paying the difference between those limits and your underinsured limit.

Any Auto/Owned Auto/Non-Owned Auto/Hired Auto

Let us guide you through the maze of coverage options based on vehicle ownership. Your choices profoundly affect the outcome of claims, so we make sure you get it right.

Physical Damage

Collision coverage protects against loss when a covered or a non-owned auto collides with another vehicle or object, regardless of fault. Other-than-collision coverage applies to vehicle damage from causes such as fire and theft, and also to transportation expenses in case of theft.

Endorsements

Ask for details on these coverage additions:

  • Towing and labor kicks in when a covered or non-owned auto is disabled in a covered incident.
  • Personal injury protection, available only in certain states, adds no-fault coverage for bodily injury in an auto accident. Each person collects from his or her own insurer.
  • Employees as additional insureds conditionally extends the policy’s liability coverage to your employees when they are at fault in an accident using their own vehicle in your business.

For additional business services, see Resources.