Covers bodily injury to others and any property damage to another vehicle if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages, and your legal expenses if a lawsuit is brought against you due to an accident.

Pays for injuries and lost wages to ourselves and passengers in our vehicles if we are hit by an uninsured or underinsured motorist. Even though business vehicle insurance is required by our state, there are still large numbers of people who drive our roads and fail to maintain vehicle liability coverage. They might also fail to maintain a level of coverage that would pay for the medical bills and lost wages that are caused by being hit by an uninsured/underinsured motorist.

Pays for damage to your vehicle from causes other than an accident. Such causes may include theft, flood, vandalism, earthquakes, fire or damage from a bird or animal.

Pays for damage to your vehicle if you hit another vehicle, if your vehicle is damaged by a hit and run driver or hit by an identifiable uninsured motorist.

This coverage can be excess coverage to a workers compensation policy or your personal health insurance policy.

Protects you when problems arise that are not typically handled under your business vehicle policy. This could include needing a tow, being locked out of your vehicle, dead batteries and flat tires.

Covers comprehensive and collision damage to a rented vehicle.

Pays for a rental vehicle while your vehicle is in a body shop for repair.