Commercial Auto Insurance in Huntington, WV
A commercial auto insurance policy is vital if your business relies on vehicles for its operations. At Thornburg Insurance Agency, we’re dedicated to helping business owners find the coverage that matches their needs.
Why is It Important?
West Virginia requires businesses to carry minimum amounts of bodily injury and property damage liability coverage if they’re using vehicles for their operations. Without it, your business may be fined or penalized.
What Does It Cover?
Specifics may vary depending on the insurer and your business’s unique circumstances. However, a typical policy may cover the following:
- Related expenses if an employee is at fault for causing an accident while operating a company-owned vehicle
- Repair costs if a vehicle is damaged by theft, vandalism, fire or certain weather events
- Employees’ medical expenses if they are injured in an accident while driving a company car, van or truck
- Associated expenses if a business-owned vehicle is hit by a driver with insufficient coverage
Who Needs It?
A commercial auto policy is generally recommended for any business that uses vehicles, including:
- Contractors
- Construction companies
- Delivery firms
- Food trucks and mobile kitchens
- Towing companies
- Vehicle rental companies
If your business doesn’t own the vehicles it uses, talk to your broker about hired and non-owner coverage, which may be applicable.
How Much Does a Policy Cost?
Your insurer may consider several factors when quoting you for a rate. These may include:
- Industry
- Location
- Claims history
- You and your employees’ driving histories
- Coverage limits
- Deductible
Get Covered Today
Get in touch with Thornburg Insurance Agency if you want to learn more about your business insurance options or request a personalized quote.