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Introduction- Why Do We Need Commercial Auto Insurance?

Many companies in Minnesota use vehicles for business proposes. They might not be the primary source of revenue in the business but they hold the power to lose money for your company. It is important to note that commercial auto insurance is different than personal vehicle insurance.

Commercial auto insurance makes sure that your commercial vehicle is secured from any kind of uncertainty, like damage, theft, fire and so on. Hence, it is important that companies in Minnesota who use vehicles for business purposes must have insurance to safeguard their vehicle, company and nonetheless themselves.

Who Should Apply For Commercial Auto Insurance in Minnesota?

In Minnesota, businesses need commercial vehicle insurance for any vehicle they plan to use. Whether they use the owner’s vehicle or fleet of vehicles owned by the business, commercial auto insurance is a must.

An auto insurance policy is granted to you while driving to and from work, but it doesn’t apply to other job-related tasks including delivery, getting supplies or other work-specific activities. In such cases, the commercial auto policy is the one for you and your vehicle where you were to be the cause of an accident caused by a job-related miscalculation.

All the vehicles you own and use for work purposes only, must be insured with a commercial auto policy. The vehicles might be trucks, trailer tractors or even food trucks.

There are also instances when business owners use private vehicles for work-specific activities. In such cases, the personal auto insurance won’t cover you in case of an accident. This is why it is recommended for business owners to purchase Hired And Non-Owned Auto Insurance (HNOA) as the liability policy covers the accidents in personal, rented and leased vehicles that are used for work purposes. It should be noted that this HNOA insurance will not cover any damage to the vehicle used by your business.

Top Cities Where We Provide The Commercial Auto Insurance in Minnesota

  • Minneapolis
  • Saint Paul
  • Rochester
  • Bloomington
  • Duluth
  • Brooklyn Park
  • Plymouth
  • Woodbury
  • Lakeville
  • Blaine
  • Maple Grove
  • Clous
  • Eagan
  • Burnsville
  • Coon Rapids

Minimum Coverage of Commercial Auto Insurance

  1. Bodily Injury Liability

Auto liability insurance has an aspect called bodily injury and death liability which covers the cost of auto-related claims or pedestrians. Minnesota has liability minimum limits of 30,000/ person and 60,000/accident.

  1. Property Damage Liability

Here, it covers issues related to property damage caused by your auto accident, especially if you are responsible for the accident. This property damage includes vehicles, homes, buildings and other such structures

  1. Personal Injury Protection (PIP)

PIP is the abbreviated form of Personal Injury Protection which comes under no-fault coverage. This coverage helps to cover medical payments after an accident. It doesn’t matter who was at fault in such scenarios because it is mandatory as a part of the state’s minimum vehicle insurance requirements.

  1. Uninsured/Underinsured

If you have an accident caused by someone else, UM coverage helps pay medical bills when the at-fault person cannot cover the full costs of damage.

  1. Comprehensive Coverage

The comprehensive coverage pays for the necessary repairs and replacement costs from fire or theft, and those resulting from deer, birds, animals or broken glass. You can even remove the deductible by adding full glass coverage. It depends on the carrier and the vehicle/type of service you choose.

  1. Collision Coverage

Collison coverage helps you get back what you paid for or covers the costs of necessary repairs or replacements if the car is damaged in an accident. Most of these misfortunes typically happen when the vehicle is in motion. If you doubt whether it will cover the damage caused by any other vehicle while your vehicle is parked, then worry not as it will cover that too.

Usually, events that fall under collision coverage include bashing your car in the parking lot, and the person responsible is left without a note. In addition, to have no insurance, means you are proceeding to pay for the entire damage. Therefore, it is important to file a claim under your insurance policy.

Factors On Which The Commercial Auto Insurance Cost Depends

  • Number of vehicles
  • Vehicle type and value
  • Level of risk involved
  • Claims history
  • Employee driving records
  • Policy deductible and limits

Types of Commercial Autos We Insure

The types of commercial autos that we insure is categorized into 3 types,

  1. Light trucks (less than 14,000 lb)
  • Automobile – Car
  • SUV – Sport Utility Vehicle
  • Light Duty Truck
  • Pickup Truck
  • Panel Van
  • Mini Truck
  • Mini Van
  1. Medium Trucks (between 14,000 lb to 26,000 lb)
  • Van
  • Delivery Truck
  • Straight Truck
  • Box Truck
  • Flatbed Truck
  1. Heavy Trucks (between 26001 lb to 33,000 lb)
    • Concrete Transport Truck (Cement Mixer)
    • Dump Truck
    • Mobile Crane
    • Log Carrier
    • Rubbish or Garbage Truck
    • Semi-Trailer Truck
    • Tank Truck
    • Tractor Unit
    • Refrigerator Truck
    • Tow Truck and Wrecker

Steps to Secure Auto Insurance in Minnesota

With these 5 simple steps, you can have the best-suited insurance policy at your doorstep, where your work is very minimal!

  1. Step 1: Contact Us, and we will assist you to make the process as easy as possible. You can message us on WhatsApp or call us at 952-469-0425.
  2. Step 2: Let Us Know
    Our agents, with years of expertise, will have an in-depth discussion to get through the insurance needs for your commercial auto coverage.
  3. Step 3: Sit Back & Relax
    By the time our agents search out the lowest prices and the best quotes from multiple top insurance providers, you can completely focus on your business and strategize to increase the revenue.
  4. Step 4: View Specialized Options
    We shall develop a tailor-made proposal with an insurance package that attends to your needs and pocket by going through multiple quotes.
  5. Step 5: Sign away!

All that remains is to sign the proposal that we will send digitally, knowing that it suits the best for your business needs.

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