Commercial Vehicle Insurance Quotes and Coverage

Commercial vehicle insurance is an important coverage for any company or organization that uses business vehicles to transport people, goods, materials or equipment. Here in the Shreveport, LA, area we have commercial operations of every imaginable kind, from oilfield contractors to caterers, who use business vehicles for wide ranging purposes. Your needs will vary depending upon how you and your employees use vehicles for business.

Some companies, for example, have staff members who drive a company car, while other employees may drive a contractor’s van or a delivery truck. Churches often have passenger vans or converted busses that transport parishioners to retreats or mission trips. Nearly every business has at least one commercial vehicle that must be insured for business use.

A McInnis Insurance agent can help to identify the right commercial auto package for your business. We believe that there is no “one size fits all” insurance policy, and our role is to get to know your organization, help identify your particular coverage needs, and then provide commercial vehicle insurance quotes from the companies that are the best match for your requirements.

Whether you are based in the Shreveport, LA, area, elsewhere in Louisiana, or anywhere in Texas, Arkansas, Mississippi, Alabama, Georgia, or Tennessee, we can provide a complete business insurance package including commercial auto, professional liability and more.

Commercial vehicle insurance can provide coverage for any business auto, van or truck, including:

• Pick-up trucks
• SUVs
• Limousines
• Delivery trucks
• Passenger vans
• Tow trucks
• Wheelchair vans
• Cargo vans

We can also write a commercial policy for you if you use a personal vehicle for your work. For example a caterer that uses a van for both personal and business use will need commercial auto insurance in addition to personal auto.

The type of commercial vehicle insurance you need depends upon several factors. For example, if you are insuring a truck, your McInnis Insurance agent will determine whether that truck is a light duty vehicle or a heavy duty commercial vehicle. Other questions will include who will be driving the truck and under what conditions. And if you have four or more vehicles, you will need a commercial fleet policy.

Commercial auto policies are tailored to the needs of the business. At a minimum, you will need liability coverage for both bodily injury and property damage. This coverage will protect your business assets in the event that one of your employees is involved in an accident and an injured party files a claim or law suit against your company.

In addition to your commercial liability coverage, your agent may also recommend:

• Collision coverage: This part of your policy will help you to repair or replace your business vehicle in the event of a collision with an object such as a roadside sign that causes extensive damage to your vehicle.
• Comprehensive insurance: Also known as “other than collision” this coverage will pay for damage to your vehicle from causes such as theft, vandalism or extreme weather.
• Equipment floater: This floater provides additional insurance for equipment used in your business, such as forklifts or bobcats.

Contact a McInnis Insurance agent today to obtain the commercial vehicle quotes and other information you need to make an informed decision about your business auto coverage.