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Commercial Auto Liability For Truckers

With the right commercial auto liability coverage, you can enjoy peace of mind protection in case of an unfortunate accident with your work cars, vans, pickups, service trucks, box trucks, and other commercial trucks not classified under our truckers general liability coverage. BHI Transport Insurance Co. understands the needs of long haulers and can bring better coverage up to 20% less than your current provider. Request your free policy audit and new quote.

Commercial Auto Liability: the short answer

Commercial auto liability covers bodily injury and property damage you or your employees cause to others while driving your business vehicles: work cars, vans, pickups, service trucks and box trucks. Personal auto policies usually exclude business use, so trucking companies need a commercial policy for these “other” vehicles too.

What commercial auto liability insurance covers

Bodily injury liability

Medical bills, lost wages and legal claims from people injured in an accident you cause.

Property damage liability

Damage you cause to other vehicles, buildings and property.

Legal defense

Attorney fees and court costs for covered claims.

Optional add-ons

Medical payments or PIP, uninsured motorist, and physical damage for your own vehicle.

Who needs commercial auto liability?

  • Trucking companies with pickups, service vans or work cars
  • Box truck and local delivery operations
  • Businesses whose employees drive company vehicles
  • Owner-operators with a second work vehicle

Every policy is different. Your coverage depends on the exact terms, limits and exclusions in your policy, so BHI’s agents review them with you before you buy. BHI Transport Insurance Co. insures trucking businesses based in Florida and Georgia from its main office in Panama City, FL.

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Questions Truckers Ask

Commercial Auto Liability FAQs

Why doesn’t my personal auto policy cover my work pickup?

Most personal auto policies exclude or limit vehicles used mainly for business. If the vehicle is titled to your business or used for work, a commercial auto policy is the safer choice.

What vehicles can be covered?

Work cars, vans, pickups, service trucks, box trucks and other commercial vehicles that aren’t covered under your truckers liability policy.

What are Florida’s requirements for commercial vehicles?

Florida sets minimum insurance amounts for commercial vehicles that rise with vehicle weight, and federal rules apply to interstate carriers. BHI will make sure your limits meet the rules for each vehicle you run.

Can BHI beat my current commercial auto rate?

BHI offers a free policy audit and often delivers equal or better coverage for up to 20% less.

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BHI Transport Insurance Co. provide all the Commercial Auto Liability insurance truckers need in FL & GA.

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