top of page

Commercial Coverage

Commercial Auto Insurance

Commercial automobile coverage will protect all the vehicles that you own operate for your business.

Get a Personalized Commercial Auto Insurance Quote for Your Business Today.

​​

Commercial auto insurance safeguards you and your employees while driving company-owned vehicles for business purposes. This essential coverage can assist in covering property damage and medical costs ranging from minor collisions to serious accidents.

What is Commercial Auto Insurance?

Commercial auto liability is all about vehicles used for business instead of just personal rides. These vehicles usually fall under a commercial auto insurance policy, helps protect a company's assets from claims. This type of insurance comes with different coverage options to fit the unique each business.

Lorries Parked In Line

What Does Commercial Auto Insurance Cover?


Bodily Injury Liability Coverage
Business auto insurance covers payments for bodily injuries or fatalities resulting from an accident where you are deemed at fault. Depending on your chosen policy, this may also include expenses for legal defense.

Property Damage Liability Coverage
If your vehicle inadvertently damages another’s vehicle or property, commercial vehicle insurance can offer protection. This may also encompass legal defense costs, depending on the policy you select.

Medical Payments, No-Fault, or Personal Injury Coverage
This coverage addresses medical expenses that may arise for an employee or passenger in your vehicle, regardless of fault in the accident.

Uninsured Motorist Coverage
Offers compensation for medical expenses and in certain situations, property damage caused by an uninsured driver or a hit-and-run incident. Depending on your chosen business car insurance policy, this coverage may also include underinsured motorist coverage, which applies when the at-fault driver has insufficient insurance to cover the damages.

Comprehensive Physical Damage Coverage
Protects your vehicles or trailers from damages caused by incidents other car accidents, such as theft, vandalism, flooding, fire, and other specified risks.

Collision Coverage
Provides protection for vehicles or trailers on your policy against damages incurred from collisions with other vehicles or from single-car accidents.
  • What is the role of deductibles in Property Insurance claims?
    A deductible is the amount you pay out-of-pocket before your insurer covers the rest. Higher deductibles can lower premiums but may increase the cost of claims.
  • What is the difference between Actual Cash Value (ACV) and Replacement Cost coverage?
    ACV covers the value of the property after depreciation, while Replacement Cost covers the full cost of replacing damaged property without factoring in depreciation.
  • What factors affect the cost of my home insurance premium?
    Premiums are affected by factors like the home’s location, age, construction type, the amount of coverage, deductible, claim history, and the presence of safety features (e.g., alarms, fire sprinklers).
  • Can I add coverage for high-value items like jewelry or art?
    Yes, you can purchase additional endorsements or a rider to cover high-value items, which may exceed the limits of standard home insurance policies.
  • Does Property Insurance cover vandalism or theft?
    Yes, Property Insurance generally covers theft, vandalism, and other forms of intentional damage, but exclusions and limits may apply based on the type of policy.
  • Are personal claims covered under E&O, D&O, or EPLI Insurance?
    No, these policies generally cover business-related claims; personal actions or misconduct outside of professional duties are not typically covered.
  • Can businesses purchase a combined policy for E&O, D&O, and EPLI?
    Some insurers offer package policies that combine coverage for all three, but it’s important to assess whether the combined policy meets the unique needs of your business.
  • How are premiums determined for E&O, D&O, and EPLI Insurance?
    Premiums are influenced by factors like company size, industry, claims history, the scope of coverage, and the financial health of the organization.
  • What is Employment Practices Liability Insurance (EPLI), and why is it necessary?
    EPLI covers businesses against claims related to employment practices, including wrongful termination, discrimination, harassment, and retaliation, safeguarding both the company and its employees.
  • How does Directors and Officers (D&O) Insurance protect business leaders?
    D&O Insurance covers legal costs and damages arising from claims made against company directors and officers for alleged wrongful acts, such as breaches of fiduciary duty, mismanagement, or discrimination.
  • Are there exclusions in E&O, D&O, and EPLI Insurance policies?
    Yes, exclusions vary by policy but may include criminal actions, intentional misconduct, and claims related to bankruptcy or insolvency.
  • Do E&O, D&O, and EPLI policies cover defense costs?
    Yes, these policies typically cover both legal defense costs and settlements or judgments, often including coverage for the cost of investigating claims.
  • Does Commercial Umbrella Insurance cover professional errors or malpractice?
    No, it doesn’t cover professional liability or malpractice; a separate Professional Liability policy is required for such coverage.
  • How does Commercial Umbrella Insurance support business continuity?
    It safeguards your assets and operations by mitigating financial risks from significant liability claims, ensuring your business remains operational.
  • Can I customize my Commercial Umbrella Insurance to suit my business needs?
    Yes, many insurers offer flexible options to align the policy with your business risk profile and existing coverage gaps.
  • What is Commercial Umbrella Insurance, and how does it work?
    Commercial Umbrella Insurance provides additional liability coverage beyond the limits of your underlying policies, such as General Liability, Auto Liability, and Employer's Liability.
  • Are all claims covered under a Commercial Umbrella policy?
    Coverage depends on the terms of the underlying policies; exclusions in the primary policy generally apply to the umbrella policy as well.
  • What industries benefit most from Commercial Umbrella Insurance?
    High-risk industries like construction, manufacturing, transportation, and retail often benefit most due to their greater exposure to liability claims.
  • What factors determine the cost of a Commercial Umbrella policy?
    Premiums are influenced by your industry, business size, claims history, and the limits of your primary policies.
  • How does Commercial Umbrella Insurance interact with my existing policies?
    It activates once the liability limits of your primary policies are exhausted, offering an extra layer of protection for large claims.
  • How does Workers' Compensation handle claims related to pre-existing conditions?
    Coverage applies if a work-related incident aggravates or worsens a pre-existing condition.
  • Does Workers' Compensation Insurance cover employees working remotely?
    Yes, if the injury or illness arises out of and during the course of employment, even in a remote work environment.
  • How long does Workers' Compensation Insurance provide benefits?
    Benefits typically last until the employee is able to return to work or reaches maximum medical improvement, but some benefits may continue for long-term disabilities.
  • What happens if an employer does not carry Workers' Compensation Insurance?
    Employers may face legal penalties, fines, and potential lawsuits from employees for work-related injuries or illnesses.
  • Are independent contractors covered under Workers' Compensation Insurance?
    Generally, independent contractors are not covered unless specifically included, but misclassification can lead to legal and financial risks.
  • How are workers compensated for lost wages due to workplace injuries?
    Workers' Compensation typically pays a percentage of the employee’s average weekly wage during their recovery period.
  • Can Workers' Compensation Insurance help with rehabilitation or retraining?
    Yes, it can cover rehabilitation costs, including physical therapy and vocational retraining if the employee is unable to return to their previous role.
  • What is the difference between named-peril and all-risk policies?
    Named-peril policies cover only specific risks listed in the policy, while all-risk policies cover all risks except those explicitly excluded.
  • Does Commercial Property Insurance cover loss of income?
    Yes, if you include business interruption coverage, it compensates for lost income due to property damage that halts operations.
  • What role does risk mitigation play in reducing premiums?
    Installing safety measures like fire suppression systems, security alarms, and conducting regular maintenance can lower premiums.
  • Does Commercial Property Insurance cover damages from natural disasters?
    Coverage for natural disasters like floods or earthquakes is typically excluded but can be added through specialized endorsements or policies.
  • What types of properties are covered under Commercial Property Insurance?
    It covers buildings, equipment, inventory, furniture, and other physical assets owned or leased by your business.
  • How is the value of my property determined for coverage?
    Coverage is based on either the actual cash value (depreciated value) or replacement cost (current market value to rebuild or replace).
  • Is Commercial Property Insurance required for leased spaces?
    While not always required, landlords often mandate tenants to have coverage as part of the lease agreement to protect their property.
  • How does Commercial Property Insurance address equipment breakdowns?
    Equipment breakdown coverage can be added to protect against financial losses from machinery or systems failure.
  • Does my auto insurance policy cover rental cars?
    Most policies extend coverage to rental cars, but it’s essential to confirm with your provider, as limits and conditions may apply.
  • What is the difference between comprehensive and collision coverage?
    Comprehensive covers non-collision incidents like theft, vandalism, or natural disasters, while collision covers damage to your vehicle from accidents, regardless of fault.
  • How does auto insurance handle accidents caused by uninsured or underinsured drivers?
    Uninsured/underinsured motorist coverage compensates for damages or injuries if the at-fault driver lacks adequate insurance.
  • Can I insure a vehicle that I don’t own?
    Yes, through a non-owner policy or by listing the vehicle under an insurable interest agreement with the owner’s consent.
  • How does auto insurance handle customizations or aftermarket additions to my vehicle?
    Standard policies may not cover customizations; you can purchase additional coverage to protect aftermarket parts or modifications.
  • What factors affect the premium for auto insurance?
    Premiums are influenced by factors such as your driving history, age, location, vehicle type, usage, credit score, and selected coverage limits.
  • Can Commercial Auto Insurance cover damages to goods being transported?
    No, it doesn’t cover cargo, but you can add cargo insurance to protect goods in transit.
  • Does Commercial Auto Insurance include roadside assistance?
    Some policies offer optional roadside assistance for services like towing, jump-starts, or flat tire repairs.
  • Does Commercial Auto Insurance cover employee-owned vehicles used for business?
    No, but you can add hired and non-owned auto coverage to protect against liabilities arising from employee-owned or rented vehicles used for business purposes.
  • Does Commercial Auto Insurance cover accidents involving uninsured drivers?
    Yes, if you include uninsured/underinsured motorist coverage, it protects against losses caused by drivers without adequate insurance.
  • What types of vehicles are covered under Commercial Auto Insurance?
    It covers vehicles owned, leased, or used by your business, including cars, trucks, vans, and specialty vehicles like delivery or construction equipment.
  • Are seasonal or temporary vehicles eligible for Commercial Auto Insurance?
    Yes, policies can be tailored for seasonal or temporary vehicle use, helping you avoid paying for year-round coverage.
  • How are premiums determined for Commercial Auto Insurance?
    Premiums depend on factors like vehicle type, usage, driver records, location, and the amount of coverage purchased.
  • What is the difference between Commercial Auto and Personal Auto Insurance?
    Commercial Auto Insurance is specifically designed for business-related vehicle use, offering broader liability coverage than personal policies.
  • What does General Liability Insurance typically cover?
    It covers legal fees, medical expenses, and damages arising from covered claims.
  • Who needs General Liability Insurance?
    Any business, small or large, that interacts with customers, vendors, or the public should consider it.
  • What is General Liability Insurance?
    General Liability Insurance protects your business from claims involving bodily injury, property damage, and personal injury.
  • How can I get General Liability Insurance through Alpha Insurance Solutions?
    Contact us at 877.392.5742 for a free consultation and customized policy options.
  • Is General Liability Insurance mandatory for my business?
    While not always legally required, it’s often essential for contracts and vendor agreements.
  • How much does General Liability Insurance cost?
    Costs vary depending on your business size, industry, and risk exposure.
  • 4. What is the difference between cyber liability and E&O coverage?
    Cyber liability insurance focuses on data breaches and cyber-attacks, covering costs associated with data loss and breach response. Errors & Omissions (E&O) coverage protects against claims related to professional mistakes, unmet expectations, or negligence in delivering services.
  • 8. How can an independent insurance agency help with technology insurance?
    An independent agency offers a range of options from multiple carriers, allowing for tailored coverage that best fits the specific risks of your tech business.
  • 2. Who should consider technology insurance?
    Any business in the tech industry—including IT consultants, software developers, web designers, and cybersecurity firms—can benefit from technology insurance. It’s also valuable for companies that handle sensitive client data or rely heavily on technology infrastructure.
  • 3. What does technology insurance typically cover?
    Coverage usually includes cyber liability, errors and omissions (E&O), general liability, intellectual property protection, and business interruption. Policies can be tailored to meet the specific needs of different tech businesses.
  • 6. How does technology insurance help with business continuity?
    Business interruption coverage within a technology insurance policy can help cover lost income and additional expenses if your operations are halted due to a cyber incident or other covered event.
  • 7. Can I customize my technology insurance policy?
    Yes, technology insurance policies are highly customizable, allowing businesses to select coverage options that align with their unique risks and needs.
  • 1. What is technology insurance, and why do I need it?
    Technology insurance provides specialized coverage for risks unique to the tech industry, including cyber risks, intellectual property issues, and liability for service errors. It helps protect businesses from financial losses due to data breaches, lawsuits, and system failures.
  • 5. Does technology insurance cover intellectual property disputes?
    Yes, many technology insurance policies include intellectual property protection, which can cover legal costs related to patent or copyright infringement disputes.
  • What types of business insurance does Alpha Insurance offer?
    We provide a variety of business insurance options, including general liability, property insurance, professional liability, workers' compensation, and cyber liability insurance. We work with businesses of all sizes to create customized policies that fit their unique needs.
  • What types of insurance does Alpha Insurance Solutions provide?
    We offer a wide range of insurance solutions, including auto, home, business, and technology insurance. Our policies are designed to provide comprehensive coverage tailored to meet the specific needs of our clients.
  • What makes Alpha Insurance Solutions different from other insurance providers?
    At Alpha Insurance Solutions, we’re committed to providing personalized service and tailored coverage options. We take the time to understand your unique needs, offer competitive pricing, and support you with fast, friendly service throughout the life of your policy.
  • What should I do if I need to change my coverage?
    If you need to adjust your coverage, contact one of our agents. They’ll review your policy with you and help make any necessary changes to ensure you have the right protection in place.
  • Do you offer support for filing claims after regular business hours?
    Yes, we provide 24/7 support for claim filing. You can file a claim anytime through our website or over the phone, ensuring you get the help you need when you need it.
  • What is technology insurance, and who needs it?
    Technology insurance covers companies involved in tech services, like software developers, IT consultants, and data storage providers. It typically includes protection against errors and omissions, cyber liability, and intellectual property claims. If your business operates in a tech-heavy field, this insurance is vital.
  • How do I add a new question & answer?
    To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.
  • How do I edit or remove the 'Frequently Asked Questions' title?
    You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
  • Can I insert an image, video, or GIF in my FAQ?
    Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.

Need expert guidance?

At Alpha, our experts can assist you in pinpointing your company's unique risks and developing a budget-friendly insurance solution.

bottom of page