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What type of insurance do you need?
Business auto insurance is the equivalent of your personal auto insurance policy, but it protects vehicles and drivers associated with your business. If your business owns vehicles, this policy will insure your business for costs associated with collisions or other vehicle damage. It also provides liability coverage for your business if one of your drivers is at fault for an accident.
Your commercial auto policy can cover:
Remember, while your business may rely on cars and trucks to transport employees to and from meetings or move products and materials, one accident can cause a financial nightmare for your business. If one of your employees is responsible for an accident, your company may be required to pay for the damage to other cars and for the medical expenses of any injured drivers or passengers.
But with the proper Massachusetts commercial auto insurance, you can be sure your business is protected from the costs of roadway threats.
Massachusetts commercial auto insurance pays for covered claims so your business doesn’t have to. It reimburses you for a variety of expenses when you are faced with a fender-bender, an unexpected break-in or theft, or even if weather or a falling tree damages one of your vehicles.
Fix your car
Fix someone else's car
Pay for someone else's medical bills
Pays you if an uninsured driver causes an accident
Commercial auto insurance is designed for businesses that typically have several drivers and multiple vehicles. For this reason, there are several differences between commercial auto coverage and personal auto coverage.
Massachusetts commercial auto insurance rates vary significantly from business to business. Premiums are based on the number of vehicles your company owns and the types of coverage you need (you may not need the same coverage for every vehicle).
The cost to insure a sedan for a salesperson who drives locally will be very different from the cost to insure a large truck that transports goods across the country.
Here are some ranges for commercial auto insurance premiums across the U.S.:
Your Massachusetts commercial auto insurance rates will vary depending on:
The best way to find the commercial auto insurance policy that fits your company’s needs and budget is to work with an independent agent in Massachusetts. Independent agents have access to multiple insurance companies, so you can choose the coverage that fits your unique risks.
Commercial car insurance cost: $1,200 - $2,400 per year
Commercial truck insurance cost: $800 - $2,000 per year
Commercial bus insurance cost: $35,000 per year
|City||Auto theft rate per 1,000|
|St. Clair Shores||1.07|