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Commercial Auto Insurance in Massachusetts

What is Commercial Auto Insurance?

From deliveries to driving to job sites, for many Massachusetts companies, driving is a big part of the job. Some purchase company cars for this purpose, while others rely on employees to use personal vehicles for business tasks. Whichever category you fall into, you need commercial auto insurance to help protect against accidents that may occur.

Start The Conversation!Massachusetts law is clear: If you own & operate a registered vehicle, you must have insurance. This is true for personal vehicles as well as commercially-owned ones. However, many companies have employees use their own vehicles for deliveries, transporting goods, and other business tasks. These activities are typically excluded. With commercial auto insurance, you can purchase coverage for your business due to accidents involving either company owned or leased employee owned vehicles.

Your agent can help you determine which of these options are right for your business. There are a variety of ways to save on your premiums and we highly recommend that you reach out to see how to improve your policy.

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What are Your Commercial Auto Insurance Options?

As with personal car insurance, there are a wide variety of policy options available for your business auto insurance. Depending on your budget and needs, you can choose a customized package so that you are covered for the activities most important to your company. Your business vehicle insurance policy will consist of some or all of the following options:

Property Damage Liability – This coverage helps to pay for damages to other vehicles and property when you are involved in an accident.

Bodily Injury Liability – If other drivers, passengers, or pedestrians are injured, this coverage can help pay their medical costs.

Personal Injury Protection – When you or your passengers are injured, your PIP can help pay your covered medical expenses.

Uninsured/Underinsured Motorist Coverage – If you are involved in an accident with a driver who does not have enough or any insurance, this coverage can help pay for the injuries to you or anyone in your vehicle.

Collision Coverage – This coverage helps to pays for the damage to your vehicle that occurs during a crash.

What are Commercial Auto Insurance Requirements in Massachusetts?

Massachusetts Requirements

All vehicles in MA must be insured in order to be legally driven. This coverage helps protect all drivers, and fines and penalties are stiff if you do not comply with the law, up to and including jail time.

Required insurance minimums are based off of personal vehicles, but commercial vehicles may need additional coverage. Speak with your agent about your vehicles and driving needs to find out the coverage you need in your commercial auto policy. MA minimums include:

  1. $20,000 per person/ $40,000 per accident for injuries to others.
  2. $8,000 person injury protection per accident.
  3. $20,000 per person/ $40,000 per accident for bodily injured caused by an uninsured auto.
  4. $5,000 per accident for property damage.

Is Your Business Protected?

These are the state minimums, and may not be sufficient to protect your business assets.

Whether you make an occasional delivery or drive every day for work, you need to have proper commercial auto insurance for your company. Be sure to comply with Massachusetts state law in order to best protect your company and employees from liability costs and fines if an accident occurs.

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