commercial auto

Peace of mind on your road to tomorrow.

SDN Insurance^® understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your commercial fleet takes on the open road to keep operations running smoothly – but accidents do happen.

Commercial vehicles are typically exposed to more risk than personal vehicles- requiring a separate, more complex policy. And these policies protect more than just industrial vehicles. For example, if your business uses a car to run daily errands or to transport people and equipment- a commercial auto policy may be a good fit.

To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from SDN Insurance^® we will work with you one-on-one to create a customized policy that may include:

Bodily Injury Liability

If you or someone who works for you causes an accident that injures another a person, bodily injury liability helps pay for medical expenses and lost income as a result of injure. Coverage could also help pay any legal fees if you are taken to court as a result of the accident.

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Medical Payments coverage

This helps pay your or your passengers' medical expenses if you are injured in a car accident, regardless of who caused the accident. This can cover:

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Health insurance deductibles and co-pays
Doctor or hospital visits
Surgery, X-rays or prostheses
Ambulance and emergency medical technician fees
Professional nursing services

personal injury protection (pip) Coverage

Also known as no-fault insurance, this helps cover medical expenses regardless of who's at fault. PIP coverage can help cover:

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Medical expenses
Lost wages*
Substitute services*
Funeral expenses*

comprehensive coverage

This type of insurance does not coverage vehicle to vehicle accidents, but damage caused by vandalism, animal related accidents or damages caused by the weather.

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collision coverage

Collision coverage pays for damages to policy owner’s vehicles who have been in an accident with another vehicle or an object, such as a sign or tree. It doesn’t matter who is at fault, collision coverage will cover it.

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uninsured and underinsured

motorist coverage

This coverage is used when the at-fault driver doesn't have enough (or any) liability coverage. It can save you from having to pay out of pocket for a car accident you didn't cause. It usually costs more to add to your policy in states with more uninsured drivers.

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Bailee Coverage

SDN Insurance^® offers additional options like bailee coverage, if needed. Bailee coverage insures property loss or damage when in your company’s care. For example - product protection for items on your delivery truck, while you are delivering them.

Frequently Asked Questions:

Who should acquire this type of policy?

• Plumbers
• Electricians
• HVAC Contractors
• Delivery Companies
• Event Companies

How do you determine the cost of Commercial Automobile Insurance?

There are a variety of factors which influence the cost of a commercial automobile insurance policy. They include such things as:

• Make, model and year of the vehicles in the fleet
• Gross weight of the vehicle(s)
• Vehicle(s) purpose of use
• Desired limits and deductibles
• Size of vehicle fleet

Since Commercial Auto Insurance coverage varies, it is important to discuss your options with a specialist at SDN Insurance^® who can help you determine the proper amount of coverage for all your commercial needs. Reach out today!

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commercial auto

Peace of mind on your road to tomorrow.

Bailee Coverage

Frequently Asked Questions:

Big-time protection for small business.

Find customized, comprehensive plans that meet all of your specific needs.