Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business, including cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Get your free online commercial auto insurance quote from Provida Insurance today if you use your vehicle(s) for business purposes. With over 7 years of experience, we are dedicated to offering specialized coverage that suits your business at an affordable price.

No matter the size of your business, we'll customize a policy specifically for you.

What is commercial auto insurance?

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)
• Driver injury
• Injury to someone else
• Damage to someone else's property

Commercial auto policies usually offer higher coverage limits than personal policies; this is because business vehicles require greater protection in the event of accidents. The policy limit for an insurance policy may vary based on the vehicle type. Speak to a GEICO insurance specialist to find the best coverage tailored to your needs.

Commercial auto insurance is similar to a personal auto insurance policy. It can cover liabilities, collisions, comprehensive, medical payments (or personal injury protection), underinsured (UIM) and uninsured motorists (UM). In some states, UM/UIM coverages are not required and can be declined in writing.

Note that there are differences between a commercial auto insurance policy and personal auto insurance policy. These differences include eligibility, definitions, coverages, exclusions, and limitations.

Who Needs Commercial Auto Insurance?

If you or your employees utilize vehicles as part of your business operations, a commercial auto insurance policy from Provida Insurance is a necessity. Personal auto policies typically do not cover accidents that occur while a vehicle is being used for business purposes.

You likely need commercial auto insurance if your business involves vehicles for:

• Trades and Services: Electricians, plumbers, HVAC professionals, carpenters, painters, and other contractors.
• Landscaping and Plow Services: Businesses that maintain outdoor spaces or offer snow removal.
• Food and Beverage: Caterers, food vendors, and delivery services.
• Long-Haul Trucking: Protecting commercial trucks involved in long-distance transport.
• Other Business Types: Including real estate, sales, and any other profession where a vehicle is an integral part of operations.

Without commercial auto insurance, your business faces significant risks, including:

• Limited or No Coverage: Accidents that happen during business use may not be covered by a personal auto policy.
• Out-of-Pocket Expenses: You could be solely responsible for costly repairs, medical bills, and legal fees.
• Loss of Personal Coverage: Using a personal vehicle for business without proper commercial coverage can lead to your personal auto policy being voided.

Getting a commercial auto insurance quote from Provida Insurance is the crucial first step in safeguarding your business. Provida Insurance commercial auto policies offer 24/7 coverage, meaning your vehicle is protected whether you're working or not.