Auto Insurance

Prepare your business for the Risk 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 navigational expert. Someone who can help you with timely, knowledgeable guidance that maps out your coverage strategy.

We’re here to help. No matter if you own a subcompact or a fleet of haulers, we’ve got you covered. Buckle up, stay focused, and let your Robertson Ryan agent ensure you’re driving with confidence.

  • Be certain you have the right coverage from the best provider
  • Clearly understand your coverage details
  • Receive support if/when it’s time to file a claim

Commercial Auto Coverages

Connect with your Robertson Ryan agent to pinpoint the right policy types and coverage amounts for your tailored business auto insurance needs. Below is an overview of commercial auto insurance options to consider.

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.

Hired & Non-Owned Auto Insurance

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, theft as well as transportation expenses in case of theft.

Endorsements

Additional coverages to consider:

  • Towing and labor – applies when a covered or non-owned auto is disabled in a covered incident.
  • Personal injury protection – adds no-fault coverage for bodily injury in an auto accident. Each person collects from his or her own insurer. Available in specific states, only.
  • 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 on behalf of your business.