Business Auto Insurance

Business Auto Insurance Information

Whether you use your own car, a fleet of buses or a trailer to serve your ministry, we offer the protection — liability, personal injury/medical, comprehensive, collision coverage and more — to keep your ministry moving forward. Plus, if your employees or members use their own vehicles for church sponsored activities, you could be liable for any accidents they cause.

We have business auto insurance to help meet your needs. We can help you determine what deductible amounts and coverage limits best fit your unique ministry.

Commercial Auto Insurance Coverage Options

• Bodily Injury Liability Coverage: Pays damages due to bodily injury to others for which you are responsible. If you are sued, it also pays your defense and court costs.
• Property Damage Liability Coverage: Pays damages due to property damage to others for which you are responsible. If you are sued, it also pays your defense and court costs.
• Personal Injury/Medical Payments Coverage: Pays medical expenses for a covered person sustained in an accident in your automobile.
• Collision Coverage:Pays for a covered auto that is damaged by collision with another object.
• Comprehensive Coverage: Pays for a covered auto that is stolen or damaged by causes other than collision.
• Uninsured/Under-insured Motorist Coverage:Pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or whose available limits are less than the limits you chose to carry for this coverage. You'd be surprised how many people only carry minimum limits.
• Non-Owned and Hired Auto Liability: Pays damages arising out of the use of vehicles not owned or hired by the Insured but used in the conduct of business.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage options. If you're financing a car, your lender may also have requirements.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low, you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available?
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Contact us today so we can review your current business auto coverage and ensure you are properly covered.