National General Commercial Auto Insurance Solutions for Your Business Needs

National General offers a range of commercial auto insurance solutions designed to meet the unique needs of your business. With flexible coverage options, you can tailor your policy to fit your specific requirements.

Whether you have a small fleet or a large operation, National General has a solution for you. Their policies can be customized to include coverage for vehicles, drivers, and even equipment.

As a business owner, you need insurance that can keep up with the demands of your operation. National General's commercial auto insurance can provide the protection you need to stay on the road and keep your business running smoothly.

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Do you need a commercial auto policy? If you use your vehicle for business, you likely do. The difference between personal and commercial auto insurance is a good place to start.

Commercial vehicle insurance is designed for vehicles used for business purposes, such as delivery trucks or company cars. If you're unsure whether you need commercial auto insurance, it's worth considering the type of activities you use your vehicle for.

For example, if you drive for a ride-sharing service or use your vehicle to transport goods, you'll likely need commercial auto insurance.

On a similar theme: When Do You Need Commercial Auto Insurance

If you're unsure whether you need commercial auto insurance, let's break it down. Businesses that use vehicles for their operations usually need commercial auto insurance.

Companies that own or lease cars, trucks, vans, or other vehicles for transporting goods, equipment, or people typically require commercial auto insurance. This includes contractors, landscapers, and construction companies that use trucks or vans to take tools and equipment to job sites.

Delivery companies, such as those that use cars or trucks to deliver goods to customers, should have commercial auto insurance to protect their drivers, vehicles, and cargo. This type of insurance is also necessary for transportation services, like taxis and limousines.

Restaurants, food trucks, and caterers that use vehicles for delivering food or operating mobile kitchens usually require a commercial auto policy. Non-profit organizations that use buses or vans to drive volunteers or clients may also need commercial auto insurance.

Here are some common professions that purchase commercial auto insurance:

The cost of insurance can be a major concern for business owners. The median monthly cost for commercial auto insurance through Progressive in 2023 was $207 for contractors and $211 for business auto customers.

These costs can add up quickly, so it's essential to understand what factors contribute to your premium. Your profession, coverage needs, vehicles, drivers, driving history, and location all play a role.

You can expect to pay more than the average rate if your business requires more protection or has a history of claims. For example, business auto customers, like those who own cleaning services, restaurants, and shops, paid an average of $270 per month.

Here are some specific costs to consider:

Keep in mind that these costs are just a starting point, and your actual premium may vary depending on your specific situation.

The Commercial Auto program from National General Insurance offers a wide range of coverage options to suit various business needs. This includes coverage for vehicles used in local to intermediate distances in a variety of businesses.

You can choose from a variety of business categories, such as Contractor/Tradesman, Farming, Food Services, and Land Services. This ensures that your business is protected regardless of the type of vehicles you use.

National General Insurance also offers a range of discounts that can reduce your quoted premium, including Association Discount, Package Discount, and Paid in Full Discount. These discounts can help you save money on your commercial auto insurance.

Here are some specific coverage options that are excluded from standard commercial auto insurance policies:

Using your commercial auto insurance for personal use is a great perk. It's a convenient option, especially if you don't have a separate personal vehicle.

Commercial auto insurance covers your vehicle for both commercial and personal use, which means you can drive your work vehicle to run errands or go to social events without worrying about additional insurance costs.

If you have regular access to your commercial vehicle, you should be named on the policy. Additional drivers may be covered, but restrictions apply for anyone not listed on the policy.

This means you can add your family members or friends to your policy if they frequently drive your commercial vehicle, but make sure to check the restrictions first.

For another approach, see: Personal Auto Insurance Coverage

Vehicle coverage can be a bit confusing, but I've got the lowdown. Permanently attached tools and equipment are covered by a commercial auto policy.

You may not be covered for all your tools, though - any additional ones require inland marine insurance, which can be added to your general liability policy. This is a good thing to keep in mind if you have a lot of equipment in your vehicle.

Rideshare companies usually offer insurance when you're driving for them, but there may be restrictions. You can add coverage to your personal auto insurance through policy amendments called endorsements.

Commercial for-hire livery insurance is another option to consider if you drive for a rideshare company. It's worth looking into to make sure you're well protected.

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Specialized Insurance is a must-have for delivery drivers. Most personal auto insurance policies won't cover losses while delivering for a fee, including pizza delivery and most other delivery services.

You could be held personally responsible for damages if you don't have commercial auto insurance and get into a work-related accident. A commercial auto policy can prevent this from happening.

Accidents can affect your insurance rate at renewal, but they won't increase your rate immediately. Accident-related rate changes are determined by various factors, such as who was at fault and the cost of the claim.

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