Commercial Auto Insurance in Missouri & Illinois
If your business relies on vehicles to transport products, equipment, or employees, a personal auto policy may not provide the coverage you need. Commercial auto insurance is designed to protect the vehicles your business uses every day. At The Milburn Agency in Florissant, MO, we help businesses throughout St. Louis and Missouri find commercial auto coverage for a single work truck or an entire fleet.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance offers many of the same protections as personal auto insurance, with coverage tailored to business use. Common coverages include:
- Liability Coverage: Pays for bodily injury and property damage to others if you or an employee causes an accident while driving a business vehicle.
- Collision Coverage: Covers repairs to your business vehicle after an accident, regardless of fault.
- Comprehensive Coverage: Protects against non-collision damage such as theft, vandalism, hail, or fire.
- Uninsured/Underinsured Motorist Coverage: Protects your drivers if they're involved in an accident with a driver who has little or no insurance.
- Medical Payments Coverage: Helps pay medical expenses for drivers and passengers injured in an accident.
- Hired and Non-Owned Auto Coverage: Provides liability protection when employees use rented vehicles or their personal vehicles for business errands.
Who Needs Commercial Auto Insurance?
Any business that owns, leases, or regularly uses vehicles for work should consider commercial auto insurance. This includes:
- Contractors and trade professionals with work trucks and vans
- Delivery, courier, and catering businesses
- Landscaping and lawn care companies
- Businesses with employees who drive for sales calls or service visits
- Companies operating a fleet of vehicles
Benefits of Commercial Auto Insurance
Commercial auto insurance helps keep your business moving when the unexpected happens on the road. Key benefits include:
- Coverage designed for business use that personal policies may exclude
- Protection for multiple vehicles and drivers under one policy
- Higher liability limits to protect your business assets
- Coverage options for specialized vehicles, trailers, and equipment
Contact Us for Commercial Auto Insurance
Your business vehicles are an essential part of your operations. The Milburn Agency in Florissant, MO, can help you compare commercial auto insurance options and find coverage that fits your vehicles, drivers, and budget. Contact us today to get started.
