Commercial Auto Insurance in Virginia & Maryland
Commercial Auto Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Commercial auto insurance is designed to provide coverage for non-personal vehicles.
Taxicab, limousine and coach bus services
Food trucks, caterers, pizzerias and restaurants offering delivery
Ambulance, police and fire departments
Last-mile and local delivery companies
Tradespeople and contractors with trucks
Personal Injury Coverage: May cover injuries to persons inside insured vehicles
Bodily Injury Coverage: May cover injuries to persons not in a business’ vehicles
Comprehensive and Collision Coverage: May cover damage to a business’ vehicles
Property Damage Liability Coverage: May cover damage to other vehicles or property
Underinsured and Uninsured Motorist Coverage: May cover accidents involving underinsured drivers
Beacon Insurance Group is Here to Help
For decades, Beacon Insurance group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.
Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance Group, we do the digging to find you the best possible coverage at the best possible price.
It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality commercial auto insurance.
Fill out the form to get in touch with a specialized commercial auto insurance agent and we will get you the superior customer service that you deserve!
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What is Commercial Auto Insurance?
Businesses in Virginia and Maryland that own vehicles generally are required to insure their cars, vans and trucks. Commercial auto insurance is designed to provide coverage for non-personal vehicles.
There are many points of similarity between commercial auto insurance and personal auto insurance, but they’re also important areas where the two insurances differ. Commercial policies tend to have some additional coverages, higher limits and adjustments so they can insure more than one vehicle.
What Virginia & Maryland Businesses Need Business Auto Insurance?
Most Virginia and Maryland businesses that own commercially registered vehicles should protect those vehicles with business auto insurance. State laws require minimum levels of coverage, and even more coverage is often advisable so businesses are well protected.
A few examples of businesses that might need a business auto policy are:
- Taxicab, limousine and coach bus services
- Food trucks, caterers, pizzerias and restaurants offering delivery
- Ambulance, police and fire departments
- Last-mile and local delivery companies
- Tradespeople and contractors with trucks
What is Hired/Non-Owned Business Auto Insurance?
Hired/non-owned business auto insurance normally provides liability protection when employees or leased vehicles are driven for work. Restaurants whose employees deliver food might need this type of policy, for example.
An insurance agent who specializes in business auto insurance can help businesses determine whether a hired/non-owned policy, or a standard commercial auto policy is needed.
What Coverages Do Commercial Auto Policies Offer?
Most commercial auto policies offer multiple coverages, which may include:
- Personal Injury Coverage: May cover injuries to persons inside insured vehicles
- Bodily Injury Coverage: May cover injuries to persons not in a business’ vehicles
- Comprehensive and Collision Coverage: May cover damage to a business’ vehicles
- Property Damage Liability Coverage: May cover damage to other vehicles or property
- Underinsured and Uninsured Motorist Coverage: May cover accidents involving underinsured drivers
How Can Virginia & Maryland Businesses Get Commercial Auto Insurance?
For help insuring commercially registered vehicles in Virginia or Maryland, contact our independent agency of Beacon Insurance Group. Our insurance agents will help you find the commercial auto insurance that your business needs.
What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?
This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.
Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only come with years of experience.
But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.
Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!