Commercial Auto insurance provides coverage for your business owned, leased or hired vehicles, including trucks and trailers.
We offer several different kinds of coverages and options, including non-owned vehicle liability insurance. Fleet discounts available for five or more vehicles.
Uninsured Motorists Coverage
Provides coverage for your medical expenses and lost wages if you or your residing family members are injured in an accident caused by a driver who has not purchased automobile insurance. It also pays for injuries sustained in hit-and-run accidents. Note that Michigan's No-fault law prohibits collecting from the 'at fault' party unless you or your passengers suffer permanent impairment, serious disfigurement or death.
Underinsured Motorists Coverage
Provides coverage for your medical expenses, lost wages, and other damages if you or your passengers are injured in an accident caused by a driver who has insufficient insurance coverage. This coverage typically pays the difference between your coverage and the other driver’s bodily injury coverage. Note that, Michigan’s No-fault law prohibits collecting from the ‘at fault’ party unless you or your passengers suffer permanent impairment, serious disfigurement or death.
This coverage may give you limited property damage coverage up to $500 to cover your legal liability in the event of damage to another person’s vehicle that does not carry collision coverage, or has a high deductible.
Pays for loss or physical damage to your insured vehicle other than by collision or upset. Some of the covered perils are fire, theft, windstorm, glass breakage, animals and floods.
Pays for the repairs or replacement of your insured vehicle in the event of an accident resulting from a collision, no matter who caused the accident. Collision coverage may require a payment of a deductible if driver is determined to be at fault.
- Broad: Company pays regardless of fault. Insured must pay the deductible if more than 50% at-fault.
- Regular: Company pays regardless of fault. Insured must pay deductible.
- Limited: Company pays when driver is less than 50% at-fault. Insured must pay the deductible.
Provides emergency road service (towing and/or labor), at a fixed amount, if your vehicle breaks down or is disabled in an accident.
Pays for your rental car expenses if your vehicle is damaged or stolen.
Comprehensive and collision
coverage may be extended to provide coverage for the unpaid balance of
a lease or loan.
Audio, Visual and Data
Provides coverage for electronic equipment installed in your vehicle, audio media and other sound reproducing equipment as scheduled on your policy.
Hired & Non-Owned Auto Liability
Provides coverage if your company should become liable due to an accident of one of your employees while he or she is on company business in a personal or rented vehicle.