WSI can help you find the right type of coverage for automobiles, trucks, and vans used for business purposes, including fleets. Commercial auto insurance policies pay for damages due to an accident, or damages caused by fire, theft, flood and vandalism. Commercial auto insurance also provides liability coverage for injuries to people and property damage when someone operating a company-owned vehicle is at fault in an accident.

Typical coverage includes:

•  Liability coverage for accidents involving company-owned autos. Liability coverage is a part of a commercial auto insurance policy. This coverage protects you in the event that someone else claims that you or someone driving your covered vehicle are legally liable for either bodily injury or property damage.

•  Liability coverage for autos rented, loaned, or leased. Your commercial auto insurance policy may protect you if your business is involved in a lawsuit related to an accident involving an auto your company has rented, loaned, or leased.

•  Medical payments. Medical payments coverage includes reasonable and necessary medical expenses for individuals accidentally injured while in your company-owned vehicle or while getting into or out of your company-owned vehicle.

The following additional coverage is also available for commercial vehicles:

•  Physical damage (collision). Your commercial auto insurance policy includes coverage for collisions. With this additional coverage, you are protected if your auto is physically damaged in an accident involving another vehicle or a stationary object, such as a building, telephone pole, or guardrail.

•  Physical damage (comprehensive). In addition to the standard coverage's, the Business Auto Insurance policy will pay for physical damage to your insured auto caused by a variety of risks, including fire, lightning, theft, vandalism, hail, and flooding.

•  Uninsured motorist. Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.

•  Underinsured motorist. Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limit.

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