Commercial Auto Insurance can be organized into two Categories

While business operations can differ significantly, commercial auto insurance needs generally fall into two main categories

Business & Contractor

Ideal for small businesses using cars or vans for deliveries, sales calls, or other operations

Designed for contractors who rely on pickup trucks or utility vehicles

Heavy Truck & Trailers

This coverage is perfect for businesses with large or heavy-duty trucks like semis or dump trucks

Coverage scales to meet the demands of your growing operations

Now you know the categories, let’s focus on what you get

Commercial Auto Insurance provides both liability and physical damage coverages

Liability

Coverage applies if you or an employee are at fault in an accident while driving a company vehicle

Liability insurance protects your business by covering the costs of bodily injuries, property damage, and legal defense

Physical Damage

Protects your vehicles against damage from collisions, theft, hail, and other specified perils

This coverage includes collision and comprehensive insurance, helping to repair or replace your vehicles

Unlike personal auto policies, commercial auto policies bundle liability and physical damage coverages together

Let’s explore how these coverages can be tailored to meet the specific needs of different businesses in Montana

The two main categories can be segmented into specialized sub-categories

Let’s explore how these specialized sub-categories address the unique risks faced by different businesses

While Business Auto and Contractor solutions cover a wide range of commercial vehicles, the Heavy Truck & Trailer category requires even more specialized coverage options

Let’s examine the sub-categories designed for these larger, more complex vehicles and their specific uses

Policies can be written as monoline (stand-alone) or part of a commercial package

let’s move into the specific types of vehicles and trailers that can be covered under these policies.

Just about every vehicle and trailer can be covered

Commercial auto insurance provides coverage for a diverse array of vehicles and trailers

• Examples of Cars and Vans used in businesses that can be covered include:
  • Sedans
  • Cargo/Compact vans
  • Hearse
  • Limousine
  • Minivan
  • Passenger Van
  • Pick-up
  • Spot Utility Vehicles
  • Wheelchair Van
  • Taxi

• Examples of Trucks used in businesses that can be covered include:
  • Box Trucks
  • Bucket Trucks
  • Car Carrier/Rollback
  • Catering Truck
  • Cement Mixer
  • Delivery Vans
  • Dump Trucks
  • Flatbed Trucks
  • Food Trucks
  • Pickup with Fifth Wheel
  • Pump truck
  • Refrigerated Truck
  • Stake body Truck
  • Step Van
  • Tank Truck
  • Tow Truck or Wrecker
  • Truck Tractor

• Examples of Trailers used in businesses that can be covered include:
  • Auto Hauler
  • Bottom or Side Dump
  • Bulk Commodity Trailer
  • Concession Trailer
  • Dry Freight Trailer
  • Dump Body Trailer/Transfer Box
  • Pole Trailers
  • Refrigerated Trailer
  • Tank Trailer
  • Rag-Top Trailer
  • Flatbed Trailer
  • Gooseneck Trailer
  • Horse Trailer
  • Livestock Trailer
  • Logging Trailer
  • Low-Boy Trailer
  • Tilt Trailer
  • Travel Trailer
  • Utility Trailer

Whether you’re a contractor, delivery service, or operate a fleet of heavy trucks, commercial auto insurance provides protection against financial losses due to accidents, damages, or liability claims you can’t afford to go without

There are some points you need to remember

• Here are the main points to remember:
  • Commercial auto policies are tailored to specific business needs, falling into two main categories: Business & Contractor and Heavy Truck & Trailer
  • Unlike personal auto policies, commercial auto insurance bundles liability and physical damage coverages together
  • Specialized sub-categories exist for various industries, including business auto, contractor, for-hire transportation, specialty trucks, and towing services
  • A wide range of vehicles can be covered, from sedans and vans to heavy-duty trucks and specialized trailers
  • Coverage can be customized based on your specific vehicle types and business operations
  • Policies can be written as standalone (monoline) or as part of a comprehensive commercial package

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