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Byron Center & Kentwood, MI Commercial Auto Insurance

Basic Commercial Vehicle Coverage For You & Your Fleet

Commercial Liability Insurance

If you or your employee is at fault in an auto accident while driving a commercial vehicle, liability coverage helps you pay for damage to another person’s property (this is called property damage liability) or for costs associated with their injuries (the coverage known as bodily injury liability) that are your responsibility.

Example: If your company vehicle is involved in an accident and your driver is at fault, your commercial auto insurance covers any costs to the damaged property, such as a building or fence. It also covers any lawsuit related to the pain and suffering or permanent scarring of passengers in a collision with another vehicle. (Medical expenses and lost wages are covered by the required personal injury protection.)

Physical Damage Coverages

Physical damage coverage in your commercial auto policy covers collision, repair or replacement, and theft of any company vehicle driven during company hours and for company purposes.

Example: A company vehicle is left out in the street, and a group of teenagers spray-paints the side of the vehicle. The insurance covers the costs to repair the part of the vehicle vandalized.

Hired Auto Liability

Excess liability coverage for a non-owned, rented, leased, hired, or borrowed automobile for incidental use of the business.

Example: A commercial vehicle rented for a special job gets into an auto accident that damages another car. Hired liability insurance applies because the accident occurred while the vehicle was in use for work purposes.

Employer’s Non-Ownership Insurance

Additional liability coverage for the employer and the company in the event of an employee using their own (unlisted) vehicle in the course of a business assignment.

Example: You ask an on-site employee to get supplies, and the only available vehicle is the employee’s personal car. If the employee gets into an accident, the employee’s personal policy can refuse to cover them because it was a business errand. This type of liability covers the damage to the other person’s vehicle and/or any related injuries.

Personal Injury Protection (PIP)

Required by the state of Michigan to cover any personal medical expenses or injuries incurred by your passengers regardless of fault.

The covered benefits include:

Medical Expenses
Medical Mileage
Wage Loss
Household Replacement Services
Attendant Care/Nursing Services

Single Deductible Endorsement

An automatic addition to a commercial policy when you are in an accident that involves multiple insurance deductibles. You pay the highest deductible.

Example: Your Byron Center company fleet vehicle is involved in a roller over, and both the trailer and the cabin are damaged (luckily, no other cars were involved). The deductible for the cabin is less expensive than the trailer; the deductible for the trailer is covered, but the cost for the cabin is paid out-of-pocket.

Towing And Labor Insurance

Towing and labor insurance provides roadside assistance to your commercial automobile if it is disabled while on the road.

Example: Your Kentwood company vehicle breaks down on the side of the road. Coverage pays for the tow and any services needed to get the vehicle running again.

Additional Commercial Auto Insurance Options for Your Michigan Company

On-Hook Towing Liability

Repair or replace a vehicle not owned by the company that your business is towing or hauling that is damaged by a collision, fire, theft, explosion, or vandalized. Applies to certain types of vehicles, such as mobile homes, other owned automobiles (commercial or personal), antique cars, race cars, or boats (personal use).

Med-Pay Coverage

Med-pay insurance pays for ambulance, hospital, or funeral costs related to an employee’s injury while operating one of your commercial auto vehicles.

Rental Reimbursement

Covers the per day cost of renting a truck for up to 30 days if required to conduct your Michigan business. Certain restrictions apply.

Eligible vehicle uses include:

Owner Operator
Scrap Metal, Sand, and Gravel
Debris Removal
Logging
Other For-Hire Trucking Operations

Property Damage Coverage

Commercial auto coverage of any physical damage to other vehicles or property (such as fences, utility poles, flagpoles, mailboxes, houses, garages, and pets) cause by a company driver. DOES NOT cover bodily injuries.

Motor Truck General Liability Insurance

Covers injuries or property damages incurred as a result of business activities but not directly associated with operating a truck.

Examples include:

A customer slips or falls on the premises
Erroneous delivery of products results in damage
Actions of a driver while representing your business on another’s premises
Libel and slander exposures

Motor Truck Cargo Insurance

Commercial auto coverage on any freight or commodity hauled by a for-hire motorist. If a load was accidentally damaged while in an accident, the insurance covers the cost to remove any debris or any costs related to preventing further loss of any damaged cargo.

Garage Keepers Legal Liability Insurance

Protection of a customer’s vehicle while your company kept it in a covered location for parking, storing, or servicing.

An extension of garage keepers insurance is a direct endorsement that covers all the damages that could occur while a customer’s car is in your garage, regardless of fault. This commercial endorsement also pays the claim without having to go through the insurance company’s claim process.

Example: A night tow of a vehicle kept overnight at your garage until the mechanic’s shop opens the next morning is vandalized—the garage keepers insurance pays to repair the damages. However, if the garage owner has direct endorsement coverage, the customer doesn’t have to get involved in filing a claim. Instead, the garage owner files the claim to its insurance company to pay the vehicle owner.

Garage Keepers Legal Liability Insurance

Commercial Auto Insurance Can Cover

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Company Cars

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Limousines

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Trailers

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Tractors

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Uber & Lyft Drivers

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Tow Trucks

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Commercial Freight Trucks

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Repair Vans

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Yacht Tours

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Snow Plow Operators

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And more...

Michigan Businesses Save Time & Money With Compass Insurance

We understand how complicated commercial auto insurance may seem. Your local Compass auto insurance agent takes the guesswork out of covering your fleet, cars, vans, trucks, and more with the right protection your business needs.

We know you’re busy taking care of your business. Team up with one of our no-nonsense commercial auto Compass insurance specialists to receive a personal business profile that simply illustrates which commercial auto insurance options work best for your company and keep your business growing.