Commercial Auto Insurance

Commercial auto insurance protects your business against financial loss in the event of an accident involving a company-owned or work-related vehicle. It is a legal contract between your business and the insurance company. You agree to pay the premium, and the insurance company has the fiduciary responsibility to pay your losses as defined in your policy.

Commercial auto insurance provides the following three protections:

• Property coverage: Covers damage to or theft of your commercial vehicle or fleet.
• Liability coverage: Covers your legal responsibility to others for bodily injury or property damage caused by your business vehicles.
• Medical coverage: Covers drivers and passengers in your commercial vehicle for the cost of injuries, rehabilitation, and in some circumstances, lost wages and funeral expenses, regardless of who is at fault.

A commercial auto insurance policy is comprised of several types of coverage. Requirements vary by state and by the nature of your business operations. If your vehicles are financed, your lender will also have specific coverage requirements.

Most commercial auto policies are for six months or a year. Your insurance company will notify you when it is time to renew your policy and pay your premium. At Coastal Louisiana Insurance, we utilize email and strive to be as paperless as possible. We write commercial auto insurance in Baton Rouge, Denham Springs, Hammond, Thibodaux, and all over South Louisiana.

It's really all about protecting your business economically. And in many cases, the government mandates it.

• If one of your commercial vehicles is involved in an accident or is stolen, repair or replacement costs can be significant — especially across a fleet.
• If your driver or any passengers are injured in an accident, medical costs can be substantial and create serious financial liability for your business.
• If your vehicle or driver is responsible for damage or injury to others, your business may be sued for far more than it is worth.

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

• How much can your business afford to pay out-of-pocket if one of your vehicles is involved in an accident?
• What discounts are available? (Ask about multi-vehicle, multi-policy, and safe driver discounts for your fleet.)
• What is the procedure for filing and settling a claim? (Ask who to call and what happens after a claim is filed.)
• At Coastal Louisiana Insurance, our claims process — commercial auto included — begins at the office. We handle as much as possible for you. You will never be transferred to an "800 number." We earn your business, and we are there in times of chaos to calm the storm.

We at Coastal Louisiana Insurance specialize in shopping commercial auto insurance and finding the best policy for your business, whether you operate in Baton Rouge, Denham Springs, Hammond, Thibodaux, or anywhere across South Louisiana.