Commercial Auto Insurance

Commercial auto insurance will provide insurance protection for your vehicles used by your Oregon business whether you are registered through the state as a sole proprietorship, partnership, corporation, or association. This type of coverage will cover private passenger cars, trucks, trailers, semitrailers, and commercial vehicles except for garages and truckers.

The insurance coverages in a commercial auto insurance policy is similar to that of a personal auto policy. There are 8 specific functions in your commercial auto insurance policy.

This coverage applies to injuries you, the designated driver or policyholder cause to someone else. Your commercial auto insurance is going to allow you to select coverage for any auto, owned autos only, owned private passenger autos only, owned autos other than private passenger autos, specifically described autos, hired autos, and non owned autos.
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your commercial auto hits.
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your commercial auto hits.
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your commercial auto hits.
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your commercial auto hits.
This coverage will reimburse you if you are hit by an uninsured or hit-and-run driver. This coverage comes into play when an at-fault driver has insufficient insurance to pay for your loss.
This coverage will reimburse you if you are hit by an uninsured or hit-and-run driver. This coverage comes into play when an at-fault driver has insufficient insurance to pay for your loss.
Non owned auto provides coverage for autos that the policyholder does not own, lease, hire, rent, or borrow that may be used in conjunction with their business. This would provide coverage for autos owned by employees of the business or members of their households but only while used for business purposes.
If a vehicle is owned by your business you will want to make certain that the name of the business appears on the title of the vehicle and on the name of the policy as the named insured. If your name is listed rather than your business name it can cause a conflict in the event that you need to file an insurance claim or a claim is filed against you.