Vehicle Protection
Business Auto Insurance for Minnesota Companies
Protect your business vehicles with comprehensive coverage from Garry Insurancenter. Our business auto insurance keeps your fleet safe on the road, covering accidents, liability, and more.
Your Questions
Business Auto Insurance FAQs
Business auto insurance provides essential protection for vehicles used in company operations. Below, we answer common questions from business owners about this coverage.
What does business auto insurance cover?
Business auto insurance covers physical damage to your vehicles, liability for accidents, and medical expenses for injuries. This coverage protects your business from financial strain in the event of an accident, whether it involves a single vehicle or an entire fleet.
Do I need business auto insurance if my employees use their own cars for work?
If employees use their personal vehicles for business purposes, you may need hired and non-owned auto insurance, a type of business auto coverage that protects your company if an employee is in an accident while on the job. We can help determine the best coverage for your specific situation.
How is business auto insurance different from personal auto insurance?
Business auto insurance provides coverage specifically for vehicles used in business operations, offering higher liability limits and protections tailored to commercial use. Personal auto insurance generally doesn’t cover vehicles used for business, so a dedicated business policy is essential for full protection.
Does business auto insurance cover rented or leased vehicles?
Yes, many business auto policies include coverage for rented or leased vehicles. We offer options that ensure protection for any vehicle used in your business operations, helping you manage risks for temporary or permanent additions to your fleet.
How much does business auto insurance cost?
Costs vary depending on the type of vehicle, usage, number of vehicles, and coverage limits. Our team will work with you to find affordable options that meet your coverage needs, ensuring your vehicles are protected within your budget.
Can I bundle business auto insurance with other commercial policies?
Yes, bundling business auto insurance with other commercial policies like general liability or property insurance can provide comprehensive coverage and potential cost savings. We’ll help you explore bundling options that offer complete protection for your business.
Are drivers covered if they’re at fault in an accident?
Yes, business auto insurance typically covers both at-fault and not-at-fault incidents. Liability coverage addresses damages and injuries to third parties, while collision coverage can cover repairs to your business vehicle if your driver is at fault.
Why choose Garry Insurancenter for business auto insurance?
As a local, family-owned agency with decades of experience, we understand the needs of Minnesota businesses. We’re here to provide customized policies, dependable support, and local insight to keep your business vehicles protected and your operations on the move.
