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Home » Commercial Auto Insurance in Fairfield, OH

Commercial Auto Insurance in Fairfield, OH

Commercial auto insurance is essential for businesses that use vehicles for commercial purposes. Contact 1st Choice Insurance in Fairfield, OH, to learn about your commercial auto policy options.

What Does Commercial Auto Insurance Cover?

Commercial auto policies typically include the following coverages:

white commercial van

  • Liability coverage—This is the cornerstone of any commercial auto policy and may help cover third-party damages if your business vehicle is involved in an accident.
  • Physical damage coverage—This includes collision coverage for damages from an accident and comprehensive coverage for non-collision incidents like theft, vandalism or natural disasters.
  • Uninsured/underinsured motorist coverage—This may help protect your business if an accident occurs with a motorist who has insufficient or no insurance.
  • Cargo coverage—This may help protect cargo transported by your business from damage or loss during transit.

The specific coverage needs will vary depending on the nature of your business, the type of vehicles used, and the risks associated with your operations. It’s essential to tailor your policy to fit your unique business requirements.

How Much is Commercial Auto Insurance?

The cost of business auto insurance varies based on several factors:

  • Larger or specialized vehicles typically cost more to insure due to higher repair or replacement costs.
  • The nature and extent of how the vehicles are used in your business also impact the cost.
  • The driving history of those operating the vehicles can affect premiums.
  • Higher coverage limits and lower deductibles will generally increase the cost of the policy.

It’s best to get quotes from multiple insurers to estimate your commercial auto coverage cost accurately. This will give you a range of options based on your budget and coverage needs.

Where Can I Get Commercial Insurance?

Contact the friendly agents at 1st Choice Insurance today for a personalized commercial auto insurance quote. With over 30 years of experience, we can find you the right coverage at the right price.