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Business Auto Insurance from GMG Insurance

Even if your company doesn’t own vehicles, you should consider business auto insurance. Commercial auto insurance covers more than just company cars and trucks. It protects your business from claims that it or your employees are liable for damage or injury caused in the course of operating a vehicle for work.

Why So Many Companies Have Exposure

While there are certain companies that have no business auto liability or property concerns, they are rare. Many organizations have employees run errands, go to required offsite conferences or other events, or travel on business. Even using a rental car while on a business trip can expose the company to expensive losses if there’s an accident. GMG Insurance offers non-owned auto insurance for commercial vehicles that can cover multiple liability concerns. We also can provide medical payments coverage, personal injury protection and excess liability insurance to extend your protection.

If you offer a company car or allow work trucks to be taken home, you’ll have to decide how to insure against the possibility that an employee’s family member might use the vehicle. If you are counting on the personal auto insurance of your employees, we’d better talk about that. While it’s true that a personal auto policy could cover drivers who work for you, there may be other claims involved that draw the company into a lawsuit.

For business vehicles that your company owns, you need to consider several different types of property coverage. Collision insurance will help if your business auto is damaged in a collision you cause, but what if a tree limb falls on your vehicle or vandals damage it. For non-collision insurance, you need comprehensive coverage. It can cover windshield damage as well.

Special Issues

Many contractors have operations in multiple states. GMG Insurance will make sure your commercial auto liability insurance meets the requirements in each state where you register vehicles. Our policies protect against theft and flood, and they can be written with uninsured/underinsured motorist coverage, to insure against losses caused by other drivers who have too little or no insurance. If you have customizations to your business vehicles, we’ll talk to you about enhancing your policy so you won’t get caught short on coverage at claim time.

From non-owned autos to entire vehicle fleets, we have business auto insurance to fit.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at