Commercial auto insurance, most commonly known as car insurance, protects your business from expenses as a result of involvement in an automobile accident. As a business owner you can upgrade your policy to HNOA plan, which allows you to provide add-on protection for employees that use rentals or business owned vehicles. Commercial auto insurance policies can cover:
– Medical Expenses
– Property or Vehicle Damage
– Legal Expenses
– Rentals or Business Owned Vehicles
– GAP Insurance 

Yes, you might have a personal auto policy for your personal vehicle which is great and highly recommended. On the other hand, if you’re traveling for your business or work and get into an accident; then business auto insurance is needed. You’ll need a business auto insurance policy if you:
– Deliver goods or products
– Frequently use a vehicle to provide a service or visit work sites
– Use a vehicle to store and carry work equipment

For starters, depending on the state you live in – you might be legally required to have an auto policy especially if you have business-owned or rented vehicles. There are options of custom auto insurance plans for businesses since vehicle usage may vary.

Factors that may affect your insurance policy are:
– How you’re using the vehicles
– Who’s using the vehicles
– What type of vehicle is being used

When proof of a commercial auto insurance certificate is requested by a client and supplied by your business, your reputation boosts. When clients know that you’re readily prepared for a disaster with the proper coverage, then you become a business they can trust and rely on.

In the event of an auto related accident, commercial auto insurance helps in covering any damages (vehicle and property) or injuries related to an accident. Commercial auto insurance in most states is required especially for operating business-owned vehicles. Auto insurance can help in covering payments for:
– Medical Expenses
– Property or Vehicle Damage
– Legal Expenses
– Rentals or Business Owned Vehicles
– GAP Insurance

Commercial Auto Insurance quotes are free to get online, so you can obtain an idea of how much your policy will cost you on a monthly or annual basis. The cost of commercial auto insurance can be dependent on:
–  your insurance and claim history
– the number of vehicles you own/are insuring
– the vehicle type
– the vehicle usage