Business Auto Insurance

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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Business Auto Insurance

When it comes to running a business that heavily relies on vehicles, such as a delivery service or a transport company, ensuring appropriate insurance coverage is vital. Business auto insurance policies protect your company’s vehicles, drivers, and finances in the event of an accident, damage, or liability claim. Business auto insurance includes several policy options tailored to meet specific needs. The most common types are:

Commercial auto liability insurance: A fundamental coverage that protects your business against claims for property damage and bodily injury caused by your company’s vehicles. It covers medical expenses, legal costs, and damages awarded in a lawsuit. This coverage is essential for any business that owns or operates vehicles.

Physical damage coverage: Safeguard your business vehicles against damages caused by collisions, vandalism, theft, and other perils. It typically includes comprehensive and collision coverage. Comprehensive coverage protects against non-collision incidents, such as theft or fire, while collision coverage caters to damages from collisions with other vehicles or objects.

Non-owned auto insurance: A crucial coverage for businesses that do not own vehicles but have employees who use personal cars for business purposes. This coverage protects your company from liability claims that may arise if an employee has an accident while driving their vehicle for work-related tasks. It provides an additional layer of protection beyond the employee’s auto insurance.

Comprehensive coverage: Adding comprehensive coverage to your business auto insurance policy offers increased protection against a wider range of risks. Apart from collisions, comprehensive coverage covers events like natural disasters, theft, vandalism, falling objects, and more. This coverage provides peace of mind by minimizing financial burdens if unexpected incidents occur.

Understanding the common types of business auto insurance policies and coverages is essential for any business that relies on vehicles. Commercial auto liability insurance, physical damage coverage, non-owned auto insurance, hired auto insurance, and comprehensive coverage are vital aspects to consider when choosing appropriate insurance policies for your business needs. By investing in the right coverage, you can protect your business, vehicles, and employees from potential risks and ensure smooth operations.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need on the road. Our business auto insurance products can provide additional insurance coverages including: