Commercial Auto Insurance in Lake Charles, LA
People First Insurance Family, located in Lake Charles, Louisiana, is here to help you find a suitable commercial auto insurance quote that aligns with your business needs.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance is designed to help protect companies against various financial risks associated with vehicle use for business purposes. This insurance may help cover the following:
- Bodily injury liability may help cover costs related to third-party injuries in an accident where you or your employees are at fault.
- Property damage liability may help with expenses from damage caused to another’s property by your business vehicle.
- Uninsured/underinsured motorist coverage may help financially protect your company after an accident with an uninsured driver or a driver with inadequate coverage limits.
- Physical damage insurance, which typically includes comprehensive and collision coverage, may help repair or replace the insured vehicle after a covered incident or accident.
- Hired and non-owned auto (HNOA) coverage may help provide liability coverage if you lease, borrow or rent a vehicle for business use.
Commercial auto insurance coverage options and limits vary, and discussing your specific needs with a commercial auto insurance broker is essential.
Who Needs Commercial Auto Insurance?
Commercial auto insurance is necessary for a range of businesses. It may be essential for you if:
- Your business owns, leases or rents vehicles.
- Employees drive company-owned, leased, or rented vehicles.
- Employees drive their personal vehicles for business purposes.
- The business vehicle is used for tasks such as carrying equipment, delivering goods, or transporting passengers.
Ensuring your policy meets Louisiana’s minimum insurance requirements is critical for legal compliance and financial protection. If your company uses heavy-duty trucks, you may also be subject to federal insurance regulations.
Contact Us
Contact People First Insurance Family in Lake Charles, Louisiana, for a personalized commercial auto insurance quote.