Commercial Auto Insurance: The Wheels That Keep Your Business Rolling

At our agency we can get you into a policy that covers your commercial vehicles, thereby protecting the equipment that keeps your business going. Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks, and vans, that are used for business.

Whether your company is a multi-vehicle operation or is a "fleet" of one, Insurance Express will help you find appropriate protections to keep your enterprise healthy and growing. Insurance Express commercial auto insurance covers:

  • Passenger cars
  • Delivery vans
  • Delivery trucks
  • Semi-trucks & trailers
  • Construction vehicles

Policies that are tailored to your needs

Everyone knows they need to properly insure their personal vehicles. However, if you’re a business owner, you’ve got an obligation to cover any vehicle used in operating your business, too. As with personal vehicles, the law requires commercial vehicles to carry a minimum level of liability protection. At our agency, we’ll make sure you get coverages that balance your business’s need for protection against the realities of the world we live in.

We'll carefully consider the realities of your business, too. What type vehicles does your company operate? How many? How many drivers do you use? Do those drivers require special licensures (e.g., chauffeur's license, commercial driver's license, etc.)? Do you employ your drivers as regular employees or as contractors? How many hours on the road does your company and its operators and vehicles spend each week? Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income.

You've got a lot invested in your business. That investment extends from your building, to the operating equipment on the inside, and to the wheels that allow you to market, sell and deliver your products beyond your base of operations.


© Copyright  Agent Quote

Worker’s Compensation Insurance Protects Employers and Employees

If you’re a business owner, it’s important to have the appropriate insurance protections in place if an employee is injured on the job. Trying to obtain workers compensation coverage after the fact simply will not work.

In other words, you need to be covered in advance. That’s exactly what a proper workers compensation policy does: It ensures that an injured worker's medical and financial needs are taken care of when accidents happen.

What is Workers Comp? Who Needs It?

Workers compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company’s profitability or to its solvency.

And workers compensation provides reimbursement regardless of who’s at fault for an on-the-job injury. If the injury occurs during the normal scope of normal job duties, workers compensation will pay all applicable benefits.

What Does Workers Compensation Cover?

Workers Compensation covers several expenses related to a worker's recovery from an on-the-job incident:

  • Lost-time payments
  • Medical care reimbursement
  • Rehabilitative services payments

When Should I carry Workers Compensation Insurance?

Even if you're business is not legally required to carry workers compensation, at Insurance Express, we strongly recommend purchasing coverage for your workforce. If an employee sustains an on-the-job injury, responsibility for related medical payments and lost wages will ultimately fall on you, the business owner.


© Copyright  Agent Quote

Business owners accept without question the wisdom of insuring the firm against the loss of its property values. We take care to insure the physical assets against fire, tornados and other disasters. Yet, protection from the loss a key executive may be far more important.


The death of a major shareholder in a closely-held corporation can seriously interrupt continuity and profitability of the business. Surviving shareholders must struggle with how to continue the company as a profitable business with the loss of a key player. Heirs must concern themselves with how to replace the income that the shareholder had earned and how to extract their inherited portion of the company value.

Person Reading Newspaper

No business can afford to be unprepared for a lawsuit.

Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.

Page 1 of 2

Our Founder

Knowing what's happening is Good. Making it happen is Better.

Our Founder Melody Rulla
Founder/CEO
Contact Us

Our team of dedicated professionals specialize in assisting clients to prepare for the unexpected, insuring they are well informed every step of the way.

Our Partners

Client Services

Client Services Staff