Commercial Auto

White panel van on suburban parkway

If you own a business, you need the same types of insurance coverages for the vehicles you use in your business as you do for your personal vehicle. Many businesses rely on their commercial vehicles to keep their business running. The Commercial Auto policy provides protection for the business you have built.

What is Covered?

Provides protection for bodily injury or property damage to others caused by an auto accident

Covers medical expenses from injury while occupying a covered vehicle

Protects you and your passengers from injuries sustained as the result of an uninsured or underinsured motorist

Coverage for your vehicle if damaged by events such as fire, vandalism, weather or theft

Provides the cost to repair or replace your vehicle if you’re involved in an accident, even if it’s your fault

Endorsement Tiers

Your insurance policy can be flexible, just like your business. We have packaged the most common Commercial Auto coverages in our Diamond endorsements in three different tiers to provide even more than the standard commercial auto policy.

  • Diamond – Automatically included with your IMT Commercial Auto policy.
  • Diamond II – May be added for an additional premium.
  • Diamond III – May be added for an additional premium.

Contact your IMT Independent Insurance Agent for complete details about each tier.

Additional Coverages

Some businesses have contractual obligations as part of their business operations. In most instances, those contracts have additional insured requirements. We offer a number of additional insured options to meet your business needs.

Most businesses rely on their auto to generate income. When an auto is damaged and not able to be used your business may suffer loss of income. This provides coverage for loss of income while your operations are suspended.

Provides complete coverage for any glass replacement or repair on your vehicle without imposing a deductible.

Included in the Diamond II or III endorsement tiers. In situations where the Diamond II or III coverages are not desired, this coverage can be purchased separately.

Available Discount

When you purchase another qualifying coverage, you automatically receive a discount on your commercial auto policy.

Find out more about our Commercial Auto policy and obtain a free quote by contacting your local IMT Independent Insurance Agent!

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.

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