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Commercial Auto Insurance in Connecticut

Commercial Auto Insurance in Connecticut

AJ Gambardella Insurance’s commitment is to its customers, and we know that the best way to get you the most customized insurance benefits is to work hand-in-hand with you to understand how you want your benefits to work for you. If you’re a Connecticut business owner, and you’re not sure where to start when getting your optimized commercial benefits, then we’ll be there to be your guides. 

If your business operates vehicles of any kind, then you need to have commercial auto insurance. You can trust us to help you find the optimized policy that offers you the perfect combination of both protection and price. 

Call us at (203) 377-8455 or request your free, no obligation quote now! 

Common Commercial Auto Insurance Questions 

Why do I need commercial auto insurance?   

Whenever someone drives on behalf of your business, it’s almost like they are taking the business with them in the car. Were they to run into trouble, then it’s the business that stands to suffer the financial strain of picking up the pieces. Commercial auto insurance makes certain that your business has the funds to afford its recovery costs. 

What does commercial auto insurance cover? 

The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include: 

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage:  This pays for damage to the other party’s property.

  • Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.

  • Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Additionally, other policies and endorsements might help you expand your benefits, such as: 

  • Roadside Assistance 

  • Rental Car Reimbursement

  • Custom Parts Coverage

  • Replacement Cost Vehicle Coverage

  • Gap Insurance

You will also need to add other benefits like inland marine insurance or motor truck cargo coverage to your policy portfolio in order to insure the equipment or cargo transported within these vehicles. 

When is commercial auto insurance required? 

Numerous vehicles might need commercial auto insurance, including: 

  • Vehicles owned by a business

  • Employees who drive their personal cars on business-related errands

  • Company cars provided to employees for commercial and private use

  • Vehicles hired or rented by the business

  • Certain personal vehicles that qualify as commercial due to their weights or sizes

All commercial auto insurance policies must contain minimum amounts of coverage as required by Connecticut law. These are: 

  • Bodily Injury Liability Coverage: $25,000 per person/$50,000 per accident

  • Property Damage Liability Coverage: $25,000 per accident

  • Uninsured Motorist Coverage: $25,000 per person/$50,000 per accident

 If you have financed your vehicles, then you might also be required to purchase collision, comprehensive and other physical damage benefits. Commercial truckers and others must also meet minimum coverage standards set by the Federal Motor Carrier Safety Administration (FMCSA). 

Speak to your agent to learn more about your coverage needs. 

How much does commercial auto insurance cost? 

Numerous factors can influence the cost of your commercial auto policy, including the size of your business, the number of vehicles you want insure and where you are located. 

We understand that you want to get as affordable of a commercial auto policy as possible, and our commitment to you is that we’ll help you get the perfect combination of coverage so that you are always paying the right price for only the right amount of benefits. 

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