Boise & Idaho Commercial Auto Insurance
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Find The Right Business Auto Coverage, Policy & Premium For Your Business
Business Auto Coverage Benefits For Your Business & Employees
Auto Liability Coverage
Protection which protects you and your company by paying for bodily injury or property damages you may become legally liable for as a result of a covered automobile accident
Medical Payments
This pays medical expenses, up to your coverage limit, for you, your employees and your passengers arising from motor vehicle accidents – regardless of who is at fault
Comprehensive Coverage
This coverage can help pay for damage to your vehicle from something other than another vehicle like vandalism, theft, weather events and accidents involving animals (subject to deductible)
Collision Coverage
This pays for damage to your vehicle from another vehicle whether you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over – regardless of who is at fault (subject to deductible)
Uninsured and Underinsured Motorist
This coverage can pay for medical expenses, loss of income and other damages owed to you, your employees (expenses that are not covered by workers’ compensation) or your passengers when an accident is caused by an uninsured or underinsured motorist
Commercial Auto Insurance Coverage For Your Business
Commercial auto insurance is a type of insurance that covers your business vehicles for things like; damage to your vehicle(s), legal bills, driver injury and injury to someone else or medical expenses, and damage to someone else's property.
It may also includes similar coverages to those on personal auto insurance. The policy can protect you, your drivers, and your business vehicles. These insurance policies tend to have higher coverage limits than personal vehicle policies because business vehicles need more protection in case of accidents.
Auto insurance protects against both property damage, medical payments, and liability for any vehicle related to an accident that is designated for business use. It also includes legal expenses, if you're sued. Most commercial auto policies include liability insurance to help you cover the business's legal costs if one of your employees gets involved in an accident. The auto policy also covers vehicle theft, vandalism, and other losses and damages.
How Does Coverage Work
Affordable Business Insurance To Protect The Owner & Employees
If you or an employee has an accident in the insured vehicle you can rest assured we will have you covered. Vehicles that are used for business purposes
Coverage the may be included in your policy may include:
Auto Liability: Protection for the business and employee
Medical Payments: Pays for medical expenses that happen during an auto accident
Comprehensive Coverage: Vandalism, theft, fire, weather, glass coverage
Collision Coverage: Damage due to hitting a vehicle or other objects
Uninsured & Underinsured Coverage: If other driver has no coverage or low limits
What Coverage Do You Need Today
The policy will give you protection as the employer and business owner. Our awesome friendly agents and brokers can help you find the right policy at affordable rates. We are independent and can shop the market for you with multiple carriers.
We can help business owners like you:
With multiple markets to shop for coverage rest assured we will get you the coverage you are needing and with great rates.
Coverage specifics:
Let us customize your policy to fit your needs.
How much does the coverage cost:
This really depends on a number of different factors. Your industry, the types of vehicles, coverage amounts and driving history all come into rating factors.
How Much Does The Insurance Cost
Every state is different, the workers’ comp calculated varies in four different factors:
Location
Location is one of the main factors depending on workers' comp rate calculation since every state has its own law workers’ comp and it is regulated in state law so the location of your business can affect your workers’ comp. It is best to research the law regarding your business insurance, so they can give you a proper insurance rate that will be based according to your location.
The Type Of Work
determining the type of work or simply saying “class code” can also affect your workers’ comp, some jobs do not support workers’ comp. Try to consult a work comp insurer to know more about this information. When determining your workers’ comp rate, the insurer will use your corresponding class code to know the rate for a particular type of work.
Size of your workforce and payroll
Your workers’ comp rate also depends on the size of your staff you’re working with, and more specifically your annual payroll. It is important to report your annual payroll in detail and accurately because the reported amount will directly affect your workers’ comp insurance rate.
Claims history
Workers’ comp insurers also depends on your history of claims. This factor is lawfully included in defining your rate. Because your history claims can reflect on your workplace safety.
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Meridian, ID 83642
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Boise, ID 83704
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