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Commercial Auto Insurance

Commercial Auto Insurance

If your business operations demand the use of one or two vehicles or a fleet of vehicles, it is important that you carry commercial auto insurance. This type of insurance provides protection to your drivers and vehicles. It reimburses the costs associated with driver injuries, death of a driver, vehicle damage, vehicle loss, and property damage caused to other parties.

There are various vehicles that can be covered by commercial auto insurance, including:

  • Company cars
  • SUVs
  • Cargo vans
  • Taxis
  • Limousines
  • Buses
  • Pickup trucks
  • Light-duty trucks
  • Dump trucks
  • Tractor-trailers
  • Commercial trailers
  • Personal cars utilized exclusively for business purposes

We Help Protect Your Business in Oklahoma, Texas, & Missouri

We provide a range of commercial auto insurance policies designed to shield your Oklahoma business from risks that may impact your finances.

Just like auto insurance, getting commercial auto insurance is mandatory by law in Oklahoma. Insurance for commercial vehicles carries the same standard coverage included in auto insurance, such as bodily injury liability, property damage liability, collision insurance, comprehensive coverage, uninsured/underinsured motorist insurance, and medical payments coverage.

But you may consider special protection to add to your basic coverage:

Hired auto insurance. This pays for bodily injuries and property damage caused to another person while you or your employee is operating a vehicle that you lease, rent, borrow, or hire for your business. Hired auto coverage, however, does not apply to vehicles that you rent, hire, borrow, or lease from your business partners, employees, or family.

Non-owned car insurance. Similar to hired auto coverage, this covers bodily injury and property damage liability expenses. But this applies to vehicles personally owned by your employees and which they occasionally use to run errands for your business.

Other coverage add-ons. You may also opt to include towing and roadside assistance or rental replacement auto coverage if your business vehicle is brought to the shop for repair and maintenance.

Seek Out Independent Agents for Your Commercial Auto Insurance

Commercial auto insurance is a crucial investment that will safeguard your Tulsa business against different types of risks.

We understand that the process of choosing the appropriate policy for your company is an added challenge on top of the day-to-day running of your business. That’s why we at Hometown Insurance Agency are here to help take the load off your shoulders.

For more detailed information on our offerings, call us today at 918-221-7686. We can customize your coverage to meet your unique needs.