COMMERCIAL AUTO INSURANCE

Protect Your Business on the Road

Commercial auto insurance covers your vehicles for physical damage and liability that personal auto policies don’t.
It applies to various business vehicles and goes by several names—commercial car insurance, truck insurance, or fleet insurance.

At OKC Insurance Brokers, we help you find the right coverage to match your business operations.

Why Do You Need Commercial Auto Insurance?

Generally, you need this insurance if you use your vehicle for more than just commuting.
For example, you may need a policy if:

• You transport goods or passengers for a fee.

• You operate a mobile service from your vehicle.

• You carry heavy tools or tow equipment for work.

• Your business owns the vehicle.

• Your employees drive the vehicle.

• Your work demands higher liability limits than a personal policy offers.

In each of these cases, a commercial policy helps protect your business from unexpected costs.

What Does Commercial Auto Insurance Cover?

Just like personal auto insurance, commercial policies include:

• Liability

• Collision

• Comprehensive

• Medical payments

• Uninsured motorist coverage

However, commercial auto coverage differs in eligibility, definitions, exclusions, and limits.
Most policies are “named driver only”, which means only drivers listed on the policy can operate covered vehicles.

Breakdown of Coverages

Here’s what your policy may include:

Bodily Injury Liability

Pays for injuries or death when you’re at fault. It also covers legal defense costs.

Property Damage Liability

Covers damage to someone else’s property and includes legal defense.

Combined Single Limit (CSL)

Offers a single dollar amount for both bodily injury and property damage per incident.

Medical Payments / Personal Injury

Covers medical expenses for you and your passengers after a covered accident, no matter who caused it.

Uninsured / Underinsured Motorist Coverage

Pays for injuries or damage caused by a driver with no or insufficient insurance. Also covers hit-and-run incidents.

Comprehensive Coverage

Covers damage from non-collision events like theft, fire, vandalism, and flooding.

Collision Coverage

Pays for repairs if your vehicle hits or gets hit by another object.

Get Commercial Auto Insurance in Oklahoma

Commercial vehicle insurance can feel confusing with so many options. But we make it simple.
Our agents serve:

• Yukon
• Edmond
• Mustang
• Oklahoma City
• Piedmont

Let OKC Insurance Brokers guide you toward the best commercial auto policy for your business.

📞 Call us at  405-509-9433 or request a quote online today.