Commercial Auto Insurance in Morgan City, LA
Servicing Morgan City, Patterson, Berwick, Bayou Vista, Houma, Thibodaux, Franklin and surrounding areas
Commercial auto insurance can be vital in case of accidents, damage and liabilities involving vehicles used for business. At Bruni Insurance Agency, we’re here to help business owners find the coverage that aligns with their budget and needs.
What Does It Cover?
Standard commercial auto insurance policies often cover the following:
- Repair costs of a vehicle that is damaged due to a collision with another vehicle, tree or object
- Damage caused by non-collision events such as natural disasters, theft or fire
- Medical expenses of a third-party who is injured in an accident that you or an employee caused
- Related expenses if you or an employee is liable for damaging someone else’s property while operating a business vehicle
- Damages if you are hit by an at-fault driver with inadequate coverage
If you’re using your personal vehicle for business purposes, you may consider getting a hired and non-owned auto insurance policy. Talk to your broker for more information.
Is It Required?
Louisiana businesses must carry minimum amounts of liability coverage for bodily injury and property damage if they use vehicles for their operations. Commercial auto insurance is typically recommended for any business using vehicles, including:
- Vehicle-for-rent companies
- Food trucks
- Delivery firms
- Retailers
- Contractors
How Much Does a Policy Cost?
The cost of a commercial auto insurance policy may depend on the following factors:
- Employee driving records
- Vehicle value
- Industry
- Policy specifics (e.g., coverage limits, deductible)
- Location
- Claims history
Where Can I Purchase a Policy?
If you want to learn more about your commercial auto insurance options, we’re here to help you. Contact Bruni Insurance Agency today to request a personalized quote.