Commercial Auto Insurance in Seattle, WA
Running a business often requires using vehicles for deliveries, transporting goods or traveling to meet clients. Protecting these vehicles financially with commercial auto insurance is crucial for ensuring smooth operations and safeguarding your investments.
What Is Commercial Auto Insurance? 
Commercial auto policies are designed to cover vehicles used for business purposes. Whether you’re a small business owner with a single delivery van or a large company with a fleet of trucks, commercial auto coverage can provide the necessary coverage to protect your vehicles, drivers and business from financial losses due to accidents, theft and other incidents.
How Much Does Commercial Auto Insurance Cost?
The cost of commercial auto coverage usually depends on the following factors:
- Type of vehicle—Larger vehicles, such as trucks, generally cost more to insure than smaller cars or vans.
- Usage—Vehicles used for high-risk activities, such as transporting hazardous materials, often incur higher premiums.
- Location—Insurance costs can be higher in areas with high traffic density or higher accident rates.
- Driver’s record—Companies with drivers who have clean driving records may enjoy lower premiums.
- Coverage limits—Higher coverage limits and additional coverage options, such as comprehensive and collision, may increase the cost of insurance.
What Does Commercial Auto Insurance Cover?
Commercial auto policies typically include the following coverage options:
- Liability coverage—This may pay for bodily injury and property damage your vehicle causes to others in an accident.
- Collision coverage—This may cover damage to your vehicle from a collision, regardless of fault.
- Comprehensive coverage—This may protect against noncollision-related damages such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage—This may cover costs if a driver with no or inadequate insurance hits your vehicle.
- Medical payments coverage—This may pay for medical expenses for you and your passengers injured in an accident.
How Does Commercial Auto Insurance Work?
When you purchase a commercial auto policy, you pay a premium to the insurance company. In exchange, the insurer agrees to cover certain types of damage and liabilities as outlined in your policy. If an incident occurs, you can file a claim with your insurer. The insurance company then investigates the claim and, if it’s valid, may pay for the covered damages up to the policy limits.
Contact Threshold Nosh and Dwell to learn more about commercial auto coverage. We have over 20 years of experience serving families and businesses in Seattle, WA.