Does Your Commercial Auto Insurance in Mississippi Adequately Cover Your Risks?

Whether you have a single delivery vehicle or a fleet of trucks, vans, and cars to support your business operations, it’s important to occasionally review your commercial auto insurance policy in Mississippi. If you have added vehicles, particularly newer vehicles, to your fleet, you may need to beef up your coverage. On the other hand, if you’ve downsized your work vehicles, you may be paying too much money on your monthly premium.

Make an appointment with an agent at Hawsey Insurance to review your commercial insurance in Mississippi.

What Does a Commercial Auto Policy Cover?

Commercial auto insurance covers one or more vehicles dedicated to serving the needs of your business. Although every auto policy may vary, there are several things that virtually every policy covers, including the following:

  • Vehicle theft
  • Vandalism
  • Property and bodily injury

Commercial auto policies typically cover everything that an individual car owner’s policy would cover. However, business car insurance typically has a higher payout, giving your business the protection needed to avoid financial loss due to an unforeseen accident.

Does Commercial Auto Insurance Cover Personal Use?

Commercial auto insurance in Mississippi doesn’t cover the use of a business vehicle for personal reasons. If you get into an accident on your way to pick up office supplies or deliver pizza to clients, your business car insurance should ideally cover your expenses minus your deductible.

However, if you hire college students to deliver food for your local restaurant, and they crash the car on the way to class or to visit a friend, chances are your commercial auto policy may not cover it. Check your policy terms to see what’s covered and what’s not.

Types of Commercial Auto Insurance

Commercial auto insurance typically includes the following coverage options:

  • Bodily Injury Liability
  • Medical Payments
  • Collision Coverage
  • GAP Coverage
  • Comprehensive Coverage
  • Umbrella Coverage
  • Uninsured Motorists

Request a quote online to save time and effort.

What Types of Vehicles Does Commercial Auto Insurance Cover?

You can write a commercial auto insurance policy to cover any type of vehicle. However, some specialty vehicles may require riders or other special contracts. Here are some of the vehicles commonly used in business operations that you can cover under a business auto policy:

  • Box trucks
  • Company cars
  • Forklifts
  • Delivery trucks or vans
  • Work vans
  • Dump trucks
  • Food trucks
  • Service utility trucks

Do you have unusual vehicles in your business fleet? We could help you figure out the best insurance for specialty vehicles essential to your business.

If you have any questions about your commercial auto insurance in Mississippi, contact Hawsey Insurance in Southaven, Jackson, and Madison, MS to discuss this and all your requirements for commercial insurance in Mississippi.