Commercial Auto Insurance
Horn & Co. Insurance Services and Farmers Insurance can meet all of your Commercial Auto Insurance needs. Whether you need insurance for one Commercial Vehicle or a Fleet, we can help. Any business that owns or leases autos during the operation of their business has significant exposure to loss.
Business Exposure
- Legal Liability – Bodily Injury
- Legal Liability – Property Damage
- Other Exposures
Coverages
- Auto Liability Coverage
- Physical Damage Coverage
- Auto Medical Payments Coverage
- Uninsured/ Underinsured Motorists Coverage
- Personal Injury Protection
Business Exposure
Legal Liability - Bodily Injury Bodily injury, sickness or disease sustained by a person including death caused by an accident resulting from the ownership, maintenance or use of a covered automobile.
Legal Liability - Property Damage Damage to or loss of use of tangible property caused by an accident resulting from the ownership, maintenance or use of a covered automobile.
Other Exposures such as uninsured or underinsured motorists
Coverages
Auto Liability Coverage - pays all sums an insured is legally liable to pay as damages because of bodily injury or property damage to another. Auto liability can rise from the ownership, maintenance, or use of owned autos as well as from hired and Non-owned autos.
Physical Damage Coverage Comprehensive - Fire, lightning or explosion; theft; windstorm; hail or earthquake; flood; mischief or vandalism to a covered automobile; or sinking, burning, collision or derailment of any conveyance transporting the covered automobile. Collision - The covered automobile's collision with another object; or the covered automobile's overturn.
Auto Medical Payments Coverage Coverage for reasonable expenses incurred for necessary medical and or funeral services to or for an insured who sustains bodily injury caused by an accident resulting from the ownership, maintenance or use of a covered automobile.
Uninsured/Underinsured Motorists Coverage protects insured persons legally entitled to recover damages for bodily injury or property damage from the owner or operator of an uninsured or underinsured auto. An uninsured/underinsured motorist is an individual who is legally liable for an accident causing loss to the insured who: has no liability insurance at all; has liability limits lower than the insured's underinsured limits; has insurance, but coverage has been denied; has insurance, but insurance carrier is insolvent; or is a hit and run driver.
Personal Injury Protection (No Fault) - allows an insured person who is injured in an accident to collect directly from his/her own insurer for medical and hospital expenses, regardless of fault. These coverage’s and amounts vary by state.
Contact us for more information on Commercial Auto Insurance, or submit a quote request today.
This is a general description of policy coverage and is not a policy contract. The policy contract itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.