Seguro comercial para automóviles

What Is Commercial Auto Insurance?

commercial car insurance Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses – even in the event of a fatal accident.
 
Commercial auto insurance can help protect business owners and their companies if, for example:
 
  • An employee hits a pedestrian while driving one of the business vehicles. The pedestrian requires medical treatment that results in large medical bills.
  • You swerve off the road while driving to work in a company vehicle and take out a residential mailbox.
  • An employee driving to work in a company vehicle hits another car and totals it.
Get a commercial car insurance quote today to learn how you can protect your small business while on the road.
 

Who Needs Commercial Auto Insurance?

Consider commercial auto insurance if your business:
 
  • Owns, leases, or rents vehicles such as cars and trucks.
  • Tiene empleados que conducen sus propios vehículos para hacer negocios.
  • Has employees who operate leased, rented, or owned company vehicles.

What Vehicles Are Covered Under Commercial Auto Insurance?

If you're driving a vehicle for business reasons, having the right commercial vehicle insurance is important. So whether you’re using a four-door sedan to travel to and from business meetings or you’re towing a few tons of cargo in a large delivery truck, the right coverage can help protect your business.
 
commercial vehicle insurance A good rule of thumb is to consider if the vehicle is being operated in relation to the job. If it is, you’ll likely need business auto insurance coverage. Remember that using a vehicle to commute to and from work doesn't constitute a need for commercial vehicle insurance.
 
If you’re still unsure about commercial car coverages, call us today for more detailed information. You can talk with one of our representatives by calling 855-860-9763.
 

How to Save Money on Commercial Auto Insurance

We can help you save with benefits you can add to your commercial auto insurance policy.
 

Fleet Owners: Reduce Costs With Risk Engineering

Our risk engineering team can provide businesses that own a fleet of vehicles with information on how they can improve safety and avoid accidents. This can include:
 
  • An in-depth analysis of the company’s driver safety records
  • A review of possible root causes of accidents
  • Recommendations on strategies to prevent accidents
Our risk engineering team can also recommend driver safety programs that could lead to savings.
 
Nuestro equipo también lo ayuda a presentarle a los conductores las técnicas de conducción de las 3-D: Conduzca decididamente. Conduzca defensivamente. Conduzca de forma confiable.
 
Los servicios de riesgo tal vez no estén disponible para todos los clientes. Comuníquese con un representante de The Hartford para confirmar la elegibilidad.
 

Choose The Hartford for Commercial Car Insurance

Únicas coberturas personalizadas

Every company faces unique risks. We can work to customize policies to help meet specific business needs. If you have a damaged vehicle due to a covered loss, our various coverages can protect your business in many ways. Our downtime loss coverage can help cover your business's lost income. Our rental reimbursement coverage can help cover the costs to rent a car. And our towing coverage can help cover towing expenses if your car is inoperable.
 

Reclamaciones superiores de seguro para auto comerciales

Our experienced claims specialists are ready to help expedite a claim anywhere in the U.S. They’re dedicated to getting you back on the road – and back to business – as fast as possible.
 

Ahorros adicionales para los propietarios de flota

Nuestra página FleetAhead program uses telematics1 and real-time data to help fleet owners identify risk and prevent accidents. You may also be eligible for more savings on your commercial auto insurance policy.
 
También ofrecemos ahorros para recompensar a los clientes para que escojan opciones seguras y paguen la totalidad. Comuníquese con su agente o un representante de The Hartford para conocer más.
 

Get Extra Business Auto Protection at No Additional Cost

The Hartford commercial auto insurance offers extra protection for your business at no additional cost. This includes:
 
  • Coverage for electronic devices
  • Discounts for insuring hybrid and natural gas vehicles
  • Coverage for leased and loaned vehicles
Waiver of Subrogation. In the event of an accident caused by a third party, The Hartford will help cover the loss and pay the insured within the terms of the endorsement and waives its right to subrogate. In other words, The Hartford waives its right to pursue a claim against the third party that caused the accident.
 
Glass Repair Waiver of Deductible. When a covered vehicle requires glass repair, The Hartford waives the physical damage deductible.
 
One Deductible for Two. Only one deductible will apply when a single event causes damage to an auto covered by our auto policy and property damage covered by another policy from The Hartford.
 

More Resources for Commercial Auto Insurance

If you already have commercial auto insurance, learn about other business coverages we offer. Call 855-829-1683 to speak to one of our specialists.
 
 
1 Telemáticos se refiere al uso de dispositivos inalámbricos y tecnologías de "caja negra" para transmitir, en tiempo real, datos usados por el vehículo a la compañía. Se requiere evidencia de instalación/activación y uso; el descuento se aplica a la cobertura de responsabilidad, gastos médicos, cobertura general y por colisión. La evidencia incluye: reconocimiento/acuerdo de servicio con el proveedor telemático; acuerdo de usuario con el proveedor telemático; documento/contrato de confirmación de activación con OEM; informe del resumen con información telemática o informe del diagnóstico del vehículo según el uso telemático.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.