Commercial Auto Insurance
Coverage for the vehicles that keep your business moving.
Whether your business relies on one pickup or a fleet of vehicles, an accident on the road can affect more than the vehicle itself—it can affect your business.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team takes the time to understand what you drive, who drives it, and how those vehicles are used for your business. As an independent agency, we can help you explore commercial auto coverage from the insurance companies we work with and find options that fit the way you operate.
What can commercial auto insurance help protect?
Commercial auto insurance can combine liability protection with coverage for vehicles used in your business. Your exact protection will depend on the vehicles, drivers, selected coverages, limits, deductibles, and policy terms.
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Helps protect your business if you or a covered driver are legally responsible for injuries to another person or damage to someone else’s property in an accident.
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Helps pay to repair or replace a covered business vehicle after a collision, subject to your deductible and policy limits.
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Helps protect covered vehicles against certain non-collision losses such as theft, vandalism, fire, hail, and other covered events.
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Helps protect you when you’re involved in a covered accident with a driver who has no insurance or not enough insurance to cover the loss.
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Helps cover eligible medical expenses for you and your passengers following a covered accident, up to the limits of your policy.
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Coverage may be available for liability exposures involving vehicles your business rents or hires, as well as employees using their own vehicles for certain business purposes.
Personal auto or commercial auto?
A personal auto policy may cover some limited business use, but vehicles owned by a business or used primarily for business generally require different protection.
How the vehicle is titled, who drives it, and what it’s used for all matter.
We’ll help you determine which type of policy fits the way your business actually uses its vehicles.
Doesn’t general liability cover vehicle accidents?
Generally, commercial general liability and commercial auto are designed to cover different risks.
General liability typically doesn’t replace the auto liability protection needed when vehicles are being driven for business.
If your operation depends on vehicles, both types of coverage may play an important role in protecting the business.
What about tools or property inside the vehicle?
Commercial auto coverage protects the vehicle and certain auto-related liability exposures, but it doesn’t automatically mean everything you carry inside is covered.
Tools, equipment, inventory, or cargo may require additional coverage depending on your business and how those items are used or transported.
We can help you look at both the vehicle and what travels with it so you can better understand where additional protection may be needed.
Coverage for the vehicles. Protection for the business behind them.
Your work vehicles are more than transportation—they’re part of how your business gets the job done.
At Western Assurance Associates, we’ll take the time to understand your vehicles, drivers, and day-to-day operations, then help you explore coverage that fits the way your business moves.