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Whether your business relies on a single delivery van or an entire fleet of vehicles, protecting your assets on the road is essential. Commercial Auto Insurance from Titan Risk provides comprehensive coverage designed to safeguard your vehicles, drivers, and business from the unique risks associated with commercial transportation. From accidents and vehicle damage to liability claims and medical expenses, our commercial auto insurance ensures that your business stays protected on the road.
At Titan Risk, we understand that every business has different transportation needs. That’s why our commercial auto insurance solutions are tailored to meet the specific requirements of your industry and fleet size, offering the right level of coverage to keep your operations running smoothly. With Titan Risk, you can drive your business forward with confidence, knowing that your vehicles and drivers are fully protected.
Titan Risk offers comprehensive Commercial Auto Insurance solutions designed to protect your business vehicles and drivers. With a focus on tailored coverage and efficient service, our insurance offerings help you manage risks and minimize financial exposure associated with operating a commercial fleet. Here are the key features of our Commercial Auto Insurance:
Commercial auto insurance provides coverage for vehicles used in the course of your business operations. It protects against financial losses resulting from accidents, theft, or damage to your business vehicles and covers liability if you or your employees are involved in an accident that causes injury or property damage to others.
Hired and non-owned auto insurance provides liability coverage for vehicles that your business uses but does not own, such as rented vehicles or employee-owned cars used for business purposes. This coverage protects your business if an accident occurs while these vehicles are being used for work-related activities.
Personal auto insurance typically does not cover vehicles used for business purposes, leaving gaps in coverage if an accident occurs while using your vehicle for work. A commercial auto insurance policy ensures that your business is properly protected against risks associated with business vehicle use, including higher liability limits and coverage tailored to commercial activities.
Commercial auto insurance rates are determined by factors such as the type of vehicles you use, how the vehicles are used in your business, the driving records of your employees, the location where the vehicles are operated, and your claims history. Businesses with a higher number of vehicles or those in higher-risk industries may face higher premiums.
Collision coverage is a type of insurance that pays for damage to your business vehicle if it collides with another vehicle or object, regardless of who is at fault. This coverage helps you repair or replace your vehicle after an accident, minimizing disruption to your business operations.
Comprehensive coverage protects your business vehicle against damage caused by events other than collisions, such as theft, vandalism, fire, natural disasters, or hitting an animal. It helps cover the cost of repairing or replacing your vehicle in the event of these non-collision incidents.
Road trouble service, often included as part of a commercial auto insurance policy, provides assistance if your business vehicle breaks down or encounters issues on the road. Services typically include towing, battery jump-starts, flat tire changes, and fuel delivery, helping you get your vehicle back on the road quickly.
Rental coverage, also known as rental reimbursement, helps cover the cost of renting a replacement vehicle while your business vehicle is being repaired after a covered loss. This coverage ensures that your business operations can continue without interruption, even when your primary vehicle is out of service.
Liability coverage in a commercial auto insurance policy protects your business if one of your vehicles is involved in an accident that causes injury or property damage to others. It covers legal defense costs, medical expenses, and any settlements or judgments against your business, helping to protect your financial assets.
The limits you should carry for commercial auto insurance depend on the nature of your business, the value of your vehicles, the potential risks associated with your operations, and the regulatory requirements in your state. Generally, higher limits are recommended for businesses with significant exposure to liability, such as those with a fleet of vehicles or those operating in high-risk industries.
Titan Risk provides commercial auto insurance for a wide range of industries, including construction, delivery services, transportation, landscaping, real estate, and more. We tailor coverage to meet the specific needs of each industry, ensuring that your business is properly protected.
To move your commercial auto insurance to Titan Risk while keeping the same carrier, contact us to start the process. You’ll need to sign an Agent of Record (AOR) letter, which authorizes Titan Risk to take over as your representative. We’ll submit the AOR letter to your carrier, who will update their records to reflect Titan Risk as your new agent.
Titan Risk offers a comprehensive range of commercial Property and Casualty (P&C) insurance products designed to protect your business from a variety of risks. Whether you need coverage for your property, liability protection, or specialized policies tailored to your industry, Titan Risk has you covered.
Here’s a list of the key P&C insurance products you can purchase from Titan Risk:
