Smple Insurance

At Smple Insurance, we understand that for many businesses, vehicles are not just a convenience—they are a critical part of operations. Whether you have a fleet of delivery trucks, service vehicles, or company cars, protecting your business’s vehicles with Business Auto Insurance is essential. Accidents, theft, and unexpected incidents can happen at any time, and without the right coverage, your business could face significant financial loss.

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What is Business Auto Insurance?

Business auto insurance is a specialized type of insurance that covers vehicles used for business purposes. Unlike personal auto insurance, which only protects vehicles driven for personal reasons, business auto insurance offers protection for vehicles used in company operations. This coverage helps protect your business from liability and property damage resulting from accidents, theft, vandalism, or other unexpected events involving your business vehicles.

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What is Covered?

• Liability Coverage: Pays for injuries or property damage caused to others if your driver is at fault.

• Physical Damage: This protects your vehicles from damage due to accidents, theft, vandalism, or weather-related incidents.

  • Collision: Covers damage to your vehicle from hitting another car or object.

  • Comprehensive: Covers non-collision events like fire, theft, vandalism, or weather.

• Medical Payments: Covers medical bills for you or your employees after an accident, regardless of fault.

• Uninsured Motorist: Protects you if you're hit by a driver with little or no insurance.

• Hired & Non-Owned: Provides coverage when renting vehicles or when employees use their personal cars for company errands.

 

Common Exclusions

• Personal Use: Driving for non-work reasons is usually not covered.

• Intentional Acts: Damage caused on purpose or through illegal activity.

• Non-Vehicle Damage: Damage to property that didn't involve the actual operation of the vehicle.​

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Don’t leave the safety of your business vehicles to chance. Protect your assets, employees, and your company’s future with business auto insurance from Smple Insurance. Contact us today to learn more about our comprehensive auto coverage and get a quote tailored to your business.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.