Protecting Your Business Vehicles with Comprehensive Coverage
At Skyscraper Insurance, we understand that commercial vehicles are essential to your business operations. Whether you own a fleet of delivery trucks, service vehicles, or company cars, having the right Commercial Auto Insurance policy ensures that your business remains financially protected from accidents, liability claims, and unexpected vehicle-related losses. Our tailored solutions provide extensive coverage for businesses of all sizes, keeping your operations running smoothly and efficiently.
Why Commercial Auto Insurance is Essential
Unlike personal auto insurance, Commercial Auto Insurance is specifically designed to protect vehicles used for business purposes. Whether your employees drive company-owned cars, vans, or specialized service vehicles, an accident or liability claim could put your business at significant financial risk. With Skyscraper Insurance, you get customized coverage that meets your industry’s needs.
Key Coverages for Commercial Auto Insurance
1. Liability Coverage 
Bodily Injury Liability – Covers medical expenses, legal fees, and settlement costs if your business vehicle causes injury to another person. Property Damage Liability – Pays for damages your company vehicle causes to another person’s property, such as vehicles, buildings, or other assets. Legal Defense Costs – Covers legal expenses in case of lawsuits related to an accident involving a company vehicle.
2. Collision Coverage 
Pays for repair or replacement of your business vehicle if it’s damaged in a collision, regardless of fault. Covers accidents with other vehicles, stationary objects, or rollovers. Protection for company cars, trucks, delivery vans, and heavy-duty commercial vehicles.
3. Comprehensive Coverage 
Protects against non-collision-related damages such as theft, vandalism, fire, floods, falling objects, and natural disasters. Covers the cost of repairs or replacement if the business vehicle is stolen or totaled. Provides security for fleet vehicles, specialized service trucks, and contractor vehicles.
4. Uninsured/Underinsured Motorist Protection 
Covers medical expenses and property damage if your business vehicle is involved in an accident caused by an uninsured or underinsured driver. Provides financial protection in hit-and-run accidents. Ensures your employees and assets are safeguarded against irresponsible drivers.
5. Medical Payments (MedPay) Coverage 
Pays for medical expenses, ambulance fees, and rehabilitation costs for you and your employees, regardless of fault. Covers hospital stays, physical therapy, and emergency care after an accident. Ensures fast access to healthcare support for injured drivers and passengers.
6. Hired & Non-Owned Auto Insurance (HNOA) 
Covers vehicles your business rents, leases, or borrows for temporary use. Provides liability coverage for employees using personal vehicles for business purposes. Ideal for companies with delivery services, sales teams, or off-site client visits.
7. Roadside Assistance & Towing Coverage 
Provides 24/7 emergency assistance for breakdowns, dead batteries, flat tires, and towing. Covers fuel delivery, lockout assistance, and mechanical repairs. Ensures minimal disruption to your business operations.
8. Rental Vehicle Reimbursement 
Covers rental car costs while your business vehicle is being repaired after a covered accident. Keeps your operations running smoothly without interruption. Reduces downtime for delivery services, contractors, and field-based businesses.
Industries That Require Commercial Auto Insurance
Our Commercial Auto Insurance policies are ideal for a wide range of industries, including: Construction & Contractors – Work trucks, trailers, and service vehicles Delivery Services – Couriers, food delivery, and package transport Real Estate & Property Management – Agent vehicles for property showings Retail & Wholesale – Company vans and distribution trucks Healthcare & Medical Transport – Ambulances, non-emergency transport, and mobile clinics Landscaping & Home Services – Lawn care trucks, plumbing, and electrical service vehicles Professional Services – Company cars for consultants, attorneys, and business owners
Additional Coverage Options
To enhance your Commercial Auto Insurance policy, we offer additional coverage tailored to your specific needs: Fleet Insurance – Coverage for multiple business vehicles under one policy. Cargo & Equipment Protection – Covers goods and tools transported in business vehicles. New Vehicle Replacement Coverage – Replaces a total loss vehicle with a brand-new one. Fire & Theft with CAC (Combined Additional Coverage) – Specialized protection for trucks and high-value equipment. Trailer & Towing Coverage – Protects trailers and additional towing equipment.
Why Choose Skyscraper Insurance for Commercial Auto Insurance?
Industry Expertise – Decades of experience in business risk management and fleet protection. Customizable Policies – Tailored coverage designed for your business’s unique needs. Competitive Rates – Affordable premiums with flexible payment plans. Fast & Efficient Claims Processing – Quick resolutions to minimize business downtime. Multi-Policy Discounts – Bundle Commercial Auto Insurance with General Liability, Workers’ Compensation, or Business Owner’s Policy (BOP) for added savings.
Get a Free Quote Today!
Don’t leave your business exposed to unnecessary risks. Protect your vehicles, employees, and operations with a customized Commercial Auto Insurance policy from Skyscraper Insurance. Let us help you drive your business forward with confidence!
Contact us today for a customized quote!
(877) 595-5002
sales@skyscraperinsurance.com
