Business Auto Insurance

Whether it's one vehicle or a fleet of hundreds, business auto insurance is essential in protecting an asset your business probably couldn't operate without. 


The importance of commercial auto

Even if your commercial vehicles are not the primary way your business makes money, it's always smart to properly insure the vehicles you depend on as a business owner. 

Commercial auto insurance is different than personal auto insurance. In many cases, not only are there multiple vehicles to cover, but the liability from accidents or claims will extend to your business as a whole.

Making sure the coverage for your commercial auto insurance is comprehensive is one of the easiest ways to protect your business.

Commercial Auto Coverages

Your vehicles may be used to get you and your employees from point A to point B, carry cargo and other essential business items, or both. Regardless of whether you rent or own your cars or trucks, we can help you find coverage.

Liability

If you are responsible for harming others, or damaging another vehicle or property, you business auto liability will help keep you covered.


Comprehensive and collision

If your vehicle is damaged or destroyed by an accident not involving another vehicle due to events such as theft, vandalism, or weather, comprehensive and collision coverage will help pay for repairs or replacements.

Uninsured and underinsured

In the event you are in an accident with another driver and they are uninsured or underinsured and cannot pay any or all of the costs owed to you, your commercial auto coverage could fill in the gaps.

Customize Your Coverage with Erie Insurance

No two businesses are alike, which is why you have options with Erie Insurance to customize your commercial auto policy to fit your specific needs. Some coverages to think about include:

  • Transportation expenses to cover your transportation costs for rental cars or other fares if a collision or weather-related damage puts your vehicle out of commission
  • Emergency roadside coverage for towing and labor costs if your vehicle breaks down
  • Income protection to cover business income loss if you can't use your vehicle
  • Death and disability income benefits if a named person dies or becomes disabled as a result of an auto accident
  • Physical damage insurance for hired, rented, or borrowed vehicles
  • Trailer agreements to cover legal liability you assume under a trailer interchange agreement


Business Auto Enhancement and EnRoute® by Erie Insurance

Specialized coverage from Erie Insurance is just the start. With Business Auto Enhancement and EnRoute, you'll receive premium coverage options that scale with your business needs.

Business Auto Enhancement

With Erie's Business Auto Enhancement, you receive the best of both worlds; Erie's most popular coverages to expand your protection at a lower cost than purchasing each individually.

Here are some key benefits:

  • Blanket Additional Insured: No need to schedule additional insureds
  • Business Interruption Coverage: Receive up to $200 per day for covered loss of income
  • Fellow Employee Liability Coverage: Removes fellow employee liability exclusion
  • Hired Auto Physical Damage Coverage: Provides up to $100,000 excess basis coverage for physical damage
  • Worldwide Medical Evacuation: Provides up to $50,000 reimbursement for medical evacuation costs
  • Transportation Expenses: Additional $65/day for rental reimbursement
  • Vehicle Lease/Loan Coverage: GAP coverage for all autos on the policy
  • Vehicle Replacement Cost: Full replacement cost within 90 days of purchase date if the vehicle is scheduled and involved in a total covered loss
  • Worldwide Hired Auto Coverage: Up to 45 days anywhere in the world

EnRoute®

Erie EnRoute® is a tool that works with your fleet's new or existing telematics programs. It allows you to:

  • Analyze your telematics data with a mobile app and online portal
  • Determine which drivers are reducing your risks, and which have room to improve
  • Potentially reduce your premiums and increase safety

Ready to get started with a business auto quote from Saleme Insurance? 

Find out how much you could save.


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