Commercial Auto Insurance in Palatine, IL
Vehicles can help improve your operations but may present a wide range of risks to your business. At Contigo Insurance Agency, we can help you understand commercial auto insurance and find the policy that works best for your circumstances.
What Does a Policy Cover?
Commercial auto insurance can cover vehicles used for business purposes. Unlike a personal auto policy, a commercial auto policy is better suited to address the risks that come with operating business vehicles.
It can be beneficial in many common scenarios, including the following situations:
- While making a delivery, an employee accidentally enters a one-way lane, hitting another vehicle.
- You accidentally hit a pedestrian while driving a company car, causing severe injuries.
- Your food truck is looted, and equipment is stolen.
- A personal sedan being used for business purposes catches fire while parked.
Who Needs Commercial Auto Insurance?
Businesses in Illinois are required to purchase commercial auto insurance. If your business is using personal vehicles for commercial purposes, you can purchase a policy that comes with hired and non-owned auto coverage.
This policy is particularly important for certain types of businesses, such as the following:
- Contractor and construction firms
- Delivery and courier services
- Food trucks
- Sales professionals
- Vehicle-for-hire companies
How Much Does a Policy Cost?
The cost of a commercial auto insurance policy can depend on the following factors:
- Location
- Driving history
- Fleet and usage details
- Industry or profession
- Deductible
- Coverage limits and selections
Why Choose Contigo Insurance Agency?
Whether your business owns a single vehicle or a large fleet, our team will work with you to assess your risks and recommend appropriate coverage. We’re here to answer your questions and help you remain compliant with local laws. Contact Contigo Insurance Agency today to request a quote.