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Protect Your Business and Employees from Unexpected Road Accidents with Commercial Auto Insurance
Drive with confidence knowing your business is protected. Our commercial auto insurance offers comprehensive coverage tailored to your company's needs, safeguarding your vehicles and assets on the road. Stay focused on what matters – let us handle the rest.
Your Trusted Commercial Auto Insurance Broker in Connecticut
At Insure Connecticut LLC, protecting your business is our priority. As a leading insurance broker in Connecticut, we offers comprehensive commercial auto insurance solutions tailored to the unique needs of businesses of all sizes. We work with top-rated carriers to secure the best coverage at competitive rates, ensuring you're protected against unforeseen circumstances. Learn more about our services and how we can help safeguard your business's valuable assets.
What is a Commercial Auto Insurance Policy?
A Commercial auto insurance policy in Connecticut covers legal fees and other expenses if a business-owned vehicle is involved in an accident. It is mandatory for all commercial vehicles in Connecticut. This policy is essential for any Connecticut company that uses motor vehicles for business purposes. Commercial auto insurance in Connecticut provides coverage for liability-related expenses, accidents, vehicle theft, and more. It works similarly to personal car insurance but is tailored to protect work vehicles like delivery vans, trucks, and company cars. The policy includes various types of coverage such as liability, medical costs, comprehensive, collision, protection for uninsured and underinsured drivers, and coverage for leased, borrowed, or rented vehicles, as well as vehicles owned by employees used for business purposes.
What is the difference between personal auto insurance and commercial auto insurance?
Understanding the differences between personal and commercial auto insurance is essential for protecting your assets and ensuring you have the right coverage. Personal auto insurance provides adequate protection for personal use, while commercial auto insurance offers the necessary safeguards for businesses using vehicles for work. Here's a breakdown of the key differences:
Personal Auto Insurance
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Intended Use: Personal use of vehicles (commuting, errands, leisure).
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Coverage: Driver and vehicle for personal activities. Business use is typically excluded.
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Liability Limits: Generally lower limits.
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Employee Coverage: Not applicable; covers only the policyholder(s).
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Additional Coverages: Limited to standard options for personal vehicles.
Commercial Auto Insurance
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Intended Use: Business use of vehicles (deliveries, company cars, service vehicles).
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Coverage: Vehicles used for business operations; including liability for business activities.
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Liability Limits: Typically higher limits to cover business losses.
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Employee Coverage: Covers employees driving company vehicles during work.
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Additional Coverages: Broader range of options, such as cargo, non-owned, and hired auto coverage.
Who Is Required to Have Commercial Auto Insurance?
Commercial auto insurance is mandatory for businesses in Connecticut that use vehicles for work purposes. This includes companies that own or lease vehicles for business operations, such as delivery services, contractors, taxi services, trucking companies, and any business that uses vehicles to transport goods, equipment, or employees. It is essential for businesses to have commercial auto insurance to comply with state laws, protect their assets, and ensure financial coverage in case of accidents or liability claims involving their vehicles.
What Does Commercial Auto Insurance Cover?
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Bodily injury liability coverage - compensates for bodily injury or death caused by an accident in which you are at fault and, in most situations, provides legal defense.
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Property damage liability coverage - protects you if your car accidentally damages another person's property and, in most situations, provides you with legal protection.
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Combined single limit (CSL) - Liability plans often include different limits for bodily injury and property damage claims. A combined single limits policy provides the same cash amount of coverage per covered occurrence, whether bodily injury or property damage, and whether the occurrence involves one or more people.
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Medical payments, no-fault or personal injury coverage – compensate for the medical expenses incurred by the driver and passengers in your vehicle as a result of a covered accident, regardless of fault.
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Uninsured motorist coverage – compensates you for your injuries and, in some cases, property damage caused by an uninsured or hit-and-run driver. Underinsured motorist coverage is sometimes provided. This is for circumstances where the at-fault driver does not have enough insurance.
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Comprehensive physical damage coverage - compensates you for vehicle damage caused by theft, vandalism, water, fire, and other insured perils.
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Collision coverage - pays for damage to your car when it collides with or collides with another object.
