If a vehicle owned by a business is involved in an auto accident, commercial auto insurance will cover legal fees and expenses. All commercial vehicles are required to have this insurance in Pennsylvania.

Who in Pennsylvania needs commercial auto insurance?

Pennsylvania companies that use vehicles for business must be insured. Commercial Auto Insurance PA is for vehicles that are owned by the business. Hired and Non-Owned Auto Insurance covers personal vehicles, and rented and leased cars used by the business.

You are covered by your personal auto policy when you drive to and from the office, but not when you make deliveries or pick up supplies. A policy for business auto would cover your vehicle and you in the event of an accident while on a job-related task.

Why is commercial vehicle insurance important?

Commercial auto insurance PA could put your business in financial and legal danger. All vehicles in Pennsylvania are required to have auto liability insurance.

You could be facing a costly lawsuit or settlement if one of your vehicles is at fault. You would likely be required to pay for damages to the other vehicle, property, medical expenses, lost wages, and pain and suffering.

What does PA commercial auto insurance cover?

Commercial auto insurance PA is necessary to protect you and your employees if you rely on company vehicles for your business. Commercial auto insurance policies in PA typically include coverages such as:

  • Bodily Injuries Liability Insurance pays for the medical bills of another driver if you, or one of your staff members, cause an accident.
  • Property damage liability insurance coverage covers damages that you or employees may cause to another’s property.
  • The Drive Other Car coverage covers the executive officers of your business and their spouses who drive vehicles not covered by your commercial auto policy.
  • Collision Insurance pays to repair or replace the car of your business if it is damaged by something like another vehicle or pole.
  • Comprehensive Coverage helps pay for damage caused by theft, natural disasters or fire.
commercial auto insurance in Pennsylvania

What is the cost of commercial auto insurance in Pennsylvania?

The cost of your commercial auto insurance in Pennsylvania is determined by your industry, and the type of vehicles you operate. Other factors can also affect the price of your auto insurance, such as:

  • What type of business do you run?
  • What type of vehicle does your employee drive?
  • Your employees’ driving records
  • Typical travel radius driven
  • The type of cargo that the vehicle carries
  • Your company’s location

High Risk Commercial Auto Insurance

You may be able to assume liability for company drivers who are engaged in certain business activities through your commercial auto policy. You can have your company drivers’ personal driving records affect your commercial auto insurance rates and your ability to conduct business, regardless of whether they are insured to drive company cars or their own vehicles under your commercial policy.

Commercial Auto Insurance PA providers may set motor vehicle records standards for drivers covered under your policy. It can lead to coverage being denied or your policy being classified as high-risk commercial car insurance. This usually results in higher rates.

Understanding how insurance companies assess driver risk is important for protecting your business and reducing expenses. Understanding how insurance companies assess risky drivers will help you to reduce your business’s risk profile. You can implement procedures to exclude drivers with high risk from your policy.

Commercial Truck Insurance PA

Understanding Pennsylvania Commercial Truck Insurance PA

Commercial trucks are an integral part of the service delivery strategy for your business, but they also expose you to liability. Pennsylvania truck insurance can protect you against financial catastrophes that may result from accidents, injuries, cargo loss, property damage, or other claims.

We are ready to help you with your needs

All businesses, whether they use private or hired vehicles, owned, subcontracted or non-owned vehicles, have different risk profiles. Our Pennsylvania truck insurance packages include a variety of coverages. Our policies will help you meet state and federal requirements, protect against financial losses, and provide the service that your customers expect. Do you have questions or require a quote for your business? Please feel free to call today and speak with one of our agents about truck insurance.

Commercial Insurance PA

InsureDirect is a full-service insurance agency based in Pennsylvania, offering a wide range of commercial insurance PA products. These include general liability insurance, commercial auto insurance, commercial property insurance, and worker compensation insurance. We also provide various other insurance products like professional liability insurance, homeowners/renters insurance, and life insurance.

The company prides itself on delivering personalized service, maintaining the same level of customer care since its establishment in 1992. InsureDirect represents over 30 major U.S. insurance carriers and is federally trademarked, ensuring reliable and comprehensive coverage options for both family and commercial needs.

For more details or to get a quote, you can visit our website at InsureDirect or call us at (800) 807-0762.

Commercial Insurance PA

InsureDirect offers a range of auto insurance options tailored to meet the needs of Pennsylvania drivers. Known for competitive rates and comprehensive coverage plans, we provide services that cater to both standard and specialized insurance needs.

Why Choose InsureDirect?

  • Affordable Rates: InsureDirect focuses on providing cost-effective insurance solutions without compromising on coverage quality.
  • Comprehensive Coverage: We offer various coverage options, including liability, collision, comprehensive, uninsured motorist, and more.
  • Customer Service: Dedicated customer support ensures that policyholders receive timely assistance and answers to the customer queries.
  • Easy Quotes: Obtain quick and hassle-free insurance quotes through our online platform or by contacting our customer service.