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Protect Your Business With Commercial Auto Insurance in Massachusetts
Commercial auto insurance, also known as commercial vehicle coverage or commercial car insurance, helps cover property damage costs and medical expenses when you or one of your employees is involved in a motor vehicle accident while driving a company-owned car for business. Small businesses that own vehicles and use them for business purposes are required to have commercial auto insurance in MA.
Keep in mind that commercial auto insurance differs from personal auto insurance. Personal auto insurance coverage only applies to vehicles that you drive for personal reasons, like running household errands or commuting to and from work. You’ll need commercial auto insurance to cover vehicles you or your employees use for job duties, like picking up supplies or making deliveries.
What Does Commercial Auto Insurance Cover?
If your business depends on any company vehicles to get the job done, you’ll need commercial car insurance to keep you and your employees protected. In Massachusetts, a commercial auto insurance policy often includes the following coverages:
- Bodily Injury Liability Insurance Coverage helps pay for the other driver’s medical expenses if you or one of your employees causes an accident.
- Property Damage Liability Insurance Coverage pays for damage that you or your employees cause to someone else’s property.
- Drive Other Car Coverage covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
- Collision Coverage helps pay to fix physical damage or replace your business’ car if you hit something, like another car or pole.
- Comprehensive Coverage can help pay for damages caused by theft, fire or natural disasters.
- Medical Payments Coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
- Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if you get into an accident with another driver who lacks enough liability coverage or is uninsured.
- Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage won’t pay for damages to the personal, rented or leased car.
- Rental Car Coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or collision damage waivers that you can sign to avoid paying for property damage to a rental car.
- Personal Injury Protection (PIP), known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.
MA Commercial Auto Coverage Requirements
In Massachusetts, commercial auto insurance is required for any business that owns and operates vehicles for work. The minimum required liability insurance coverage amounts in Massachusetts are as follows:1
| Cobertura | Minimum Coverage Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person, $40,000 per accident |
| Personal Injury Protection (PIP) Coverage | $8,000 per person, per accident |
| Bodily Injury Caused by an Uninsured Auto | $20,000 per person, $40,000 per accident |
| Property Damage Liability Coverage | $5,000 per accident |
Who Needs Commercial Auto Insurance in Massachusetts?
Commercial auto coverage is a type of Massachusetts business insurance that’s designed to protect business owners and their assets if they get into an auto accident while driving a company car for business purposes.
If your Massachusetts business owns any company vehicles that you or your employees use for work, you’ll need to have commercial auto insurance. Even if your employees use their personal vehicles for business purposes, you’ll still need commercial auto insurance to protect them on the job.
Vehicles Covered Under Massachusetts Commercial Auto Insurance
If your Massachusetts small business owns any types of vehicles, like cars, pickup trucks, box trucks or commercial vans for work, you can safeguard your operations with commercial auto insurance.
If you’re looking for business auto insurance for your company car or pickup truck, call us at 855-860-9763 to get a free quote from The Hartford.
The Hartford also offers commercial auto insurance to cover vehicles that aren’t cars or pickup trucks, such as:
Box Truck Insurance
Box truck insurance is a type of commercial auto insurance that’s designed specifically for businesses that use box trucks or straight trucks for business purposes.
Commercial Van Insurance
Commercial van insurance is a type of commercial auto insurance that protects your company-owned vans used for business.
How Much Does Commercial Vehicle Insurance in Massachusetts Cost?
Your commercial auto insurance cost in Massachusetts often depends on your industry and the types of vehicles your business operates. There are also several other factors that may influence the cost of your auto insurance coverage in MA, including your:
- Vehicle type and value
- Claims history
- Coverage type(s)
- Location and typical driving radius
- Historial de manejo
Commercial Auto Insurance From The Hartford
With more than 200 years of experience, we’re an insurance company you can count on. We know that your small business faces unique risks, so it’s important to be prepared when something unexpected happens. We make it easy for you to get a fast and free quote for commercial auto insurance in Massachusetts. Llame al 855-860-9763 para solicitar una cotización hoy mismo.
Última actualización: 8 de septiembre de 2023
1 Commonwealth of Massachusetts, “Understanding Auto Insurance.”
Divulgaciones adicionales a continuación.