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What Does Commercial Auto Insurance in Renton, WA Cover?

What Does Commercial Auto Insurance in Renton, WA Cover?

Commercial auto insurance in Renton, WA is like your personal auto coverage – but for your business.

Do you own a small business with products and services? If you do, you’re likely to be involved in some sort of delivery service. If not, do your employees use a company van to transport tools and equipment? If you use a vehicle for your business, you’ll need to secure commercial auto insurance in Renton, WA. Sure, you may occasionally only deliver, but you’ll still need a policy in place.

This type of policy is designed to protect your business and employees on the roads. The coverages include:

Bodily injury liability coverage – This pays for bodily injury or death resulting from an accident for which you are at fault. In most cases, it provides you with a legal defense.

Property damage liability coverage – This provides you with protection if your vehicle accidentally damages another person’s property and in most cases provides you with a legal defense.

Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence.

Medical expenses – This no-fault or personal injury coverage usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.

Uninsured motorist coverage – If you’re in an accident with a motorist who has no insurance, this coverage can step up to pay for your injuries and certain property damage. In some cases, underinsured motorist coverage is included.

Comprehensive physical damage coverage – This pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

Collision coverage – This covers the damage to your vehicle when it hits or is hit by another object.

Get started on tailoring your auto coverage to suit your business’ needs by contacting the professionals at Humble & Davenport Insurance for the reliable coverage that you can rely on. Contact us in Renton, Washington to get started.