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Your Business Is on the Move—Is It Protected?
Whether you're delivering packages, transporting tools, meeting clients, or running errands, your vehicles are more than just transportation—they’re an essential part of your business. But what happens if one of them gets into an accident? That’s where commercial auto insurance steps in. At Metro-West Insurance Services, we help business owners protect their fleet, their drivers, and their livelihood with policies built to handle the unexpected.
Because when your wheels stop turning, so does your income—and we’re here to help keep your business rolling.
Why Personal Auto Insurance Isn’t Enough
It’s a common misconception: “I have a car insurance policy—I’m covered.” But if you're using your vehicle for business purposes, your personal policy likely won’t cover you in an accident.
Commercial auto insurance is specifically designed for the risks that come with business driving—whether you own one van or a fleet of 50. If your team is behind the wheel for anything business-related, this coverage is essential.
Real-World Risks on the Road
Accidents happen—no matter how careful you are. Here’s what the data shows about business auto claims:
| Type of Incident | Average Claim Cost | Coverage Type |
|---|---|---|
| Collision with another vehicle | $18,000+ | Collision Coverage |
| Injury to another driver | $35,000–$75,000 | Liability Insurance |
| Theft of tools/equipment from vehicle | $10,000–$20,000 | Comprehensive Coverage |
| Windshield, hail, or storm damage | $2,000–$10,000 | Comprehensive Coverage |
What Does Commercial Auto Insurance Cover?
Protects your business if a driver causes injury or property damage to someone else while on the job.
Pays for damage to your business vehicle after an accident—regardless of who is at fault.
Protects against non-collision events like theft, vandalism, fire, hail, and falling objects.
Covers medical expenses for your driver and passengers if they're hurt in an accident, no matter who caused it.
If your business vehicle is hit by someone without insurance, this coverage helps pay for the damages.
Covers vehicles your business uses but doesn’t own—like rented trucks or employee-owned cars used for work tasks.
Who Needs Commercial Auto Insurance?
If your business owns or uses vehicles, you need commercial auto coverage. This includes:
- Contractors and service technicians
- Delivery businesses and couriers
- Real estate agents and sales teams
- Construction, plumbing, HVAC, and cleaning crews
- Landscaping and snow removal services
Even a single work truck can expose your business to serious liability—don’t wait until after an accident to realize you’re underinsured.
Let Metro-West Insurance Services Customize Your Policy
No two businesses are the same, and your insurance shouldn’t be either. At Metro-West Insurance Services, we take the time to learn how your business operates, who drives your vehicles, what you carry, and how often you’re on the road. Then, we build a commercial auto policy that fits your needs—without charging you for coverage you don’t need.
We’ll also help you manage certificates of insurance, DMV filings, and safety recommendations that keep your fleet compliant and protected.
When to Review or Update Your Policy
Your commercial auto needs can change quickly. It’s a good idea to talk to us if:
- You’ve added new vehicles or drivers
- You’ve expanded into a new service area
- You’ve recently purchased or leased business-use trailers
- You’re unsure what’s covered if an accident happens
At Metro-West Insurance Services, we make it easy to adjust your coverage before something goes wrong—not after.
Keep Your Business Moving with the Right Protection
You’ve invested in your business vehicles because they help you serve customers, complete jobs, and grow your company. Don’t leave them—or your business—vulnerable. With a smart, customized commercial auto insurance policy from Metro-West Insurance Services, you’ll drive with confidence every day.
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Need help or have questions? Call us today at 323-937-9225. We’re ready to help you stay safe, stay covered, and stay on the road.
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