Commercial Business Auto Insurance in Kentucky & Tennessee
Fleet and Vehicle Protection for Your Company Operations
Whether your business in the Tri-County area uses a single sedan for sales calls or a fleet of service vehicles, you need specialized Commercial Business Auto Insurance. Personal auto policies contain significant exclusions for business use, leaving your company financially vulnerable in the event of an accident. London Insurance Agency has over 100 years of experience serving the commercial needs of London, KY, ensuring your company vehicles and operations are properly protected.
As an independent agency and a Keystone Partner, we have the resources to find tailored business auto solutions from multiple top-rated carriers. This competitive approach means we can secure the right coverage levels and liability limits for your vehicles at a competitive price. Our licensed insurance professionals are here to break down the details, guiding you toward a policy that helps your business grow while protecting what matters most—your assets and employees.
Customized Commercial Vehicle Coverage
Commercial Auto Insurance is a necessity, covering vehicles owned by the business, as well as liability arising from their use.
Commercial Auto Liability: Provides coverage if your company's vehicle or an employee driving on company business is at fault for an accident that causes bodily injury to others or property damage. This coverage often requires significantly higher limits than a personal policy.
Physical Damage Coverage: Includes Collision and Comprehensive coverage to pay for repairs or replacement of your company's vehicle following an accident, theft, or other covered non-collision events.
Medical Payments/Personal Injury Protection (PIP): Helps cover medical expenses for drivers and passengers in the company vehicle following an accident, regardless of who was at fault.
Uninsured/Underinsured Motorist Coverage: Protects your business if one of your vehicles is involved in an accident with a driver who is at fault but has insufficient or no insurance.
Hired and Non-Owned Auto Liability: An essential coverage that protects your business from liability claims when employees use their personal vehicles for company business (e.g., running errands or making deliveries).
Protecting Fleets and Specialty Vehicles
We offer a broad range of coverage options so you can tailor your policies to what matters most, including specialized solutions for unique commercial vehicles such as food trucks, box trucks, trailers, and heavy equipment. Our agents understand that managing a fleet can be complex, and we provide simplified, customized solutions that fit your operational needs perfectly.
Our experienced team offers a full assessment of your insurance needs. We ensure that your policy adequately covers the high-limit liability exposures that come with business vehicle use, unlike a residential auto policy. Our focus is on creating a plan that is customized for you, not a generic solution.
Ongoing Partnership for Your Operations
Our relationship doesn't end once the policy is signed. We are here to provide ongoing support whenever you need it, whether it's adding a new vehicle to your fleet, updating driver information, or assisting with a claim. We advocate on your behalf, handling communications with the insurance companies to make sure your coverage fits your evolving operational needs. You can rely on us every step of the way to ensure your Commercial Auto protection is comprehensive.
FAQS
FAQ for Business Auto
Do I need Commercial Auto Insurance if my employees use their personal cars for work errands in London, KY?
Yes, you need Hired and Non-Owned Auto Liability coverage. An employee's personal auto policy may not cover the business's liability, which can leave your company exposed if an accident occurs during a work-related task.
What is the main difference in liability between a Commercial Auto policy and a Personal Auto policy?
Commercial Auto policies offer significantly higher liability limits and cover specific business-related exposures (like hauling goods or large passenger transport) that a personal auto policy strictly excludes.
Does Commercial Auto Insurance cover tools or equipment I keep in my company truck?
Commercial Auto typically covers the vehicle itself. Your tools, equipment, or inventory inside the vehicle are generally covered by your Commercial Property or Inland Marine policy, which we can help you integrate.
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