Commercial Vehicle
Insurance

Do you operate your own business or use your vehicle for work instead of just getting to work? You may need a commercial vehicle insurance policy. A regular auto insurance policy will not cover cars or trucks when they are used for business purposes.

The team of experienced insurance brokers at Hamilton Ward & Cather are here to help.

Contact us today for all your commercial vehicle insurance needs.

Continue to Quote Request

Should your vehicle be rated for commercial use?

  • Is visiting multiple job sites each day part of you job?
  • Do you carry business tools or equipment in your vehicle?
  • What about products or samples?
  • Are you using your vehicle for carpooling or ride sharing?
  • Do you tow a trailer for business or work?

Not Just Big Trucks

Any type of vehicle can qualify for commercial insurance policy. Commercial Insurance is not limited to transport trucks.

Tools & Equipment

Did you know your business tools and equipment are not insured under your vehicle insurance policy?

Ride Sharing

Earning additional income through ride sharing usually means commercial insurance is required? HWC Insurance can offer a policy for you.

Outside Sales

Were you aware that using your vehicle to travel to and from clients’ locations could require a commercial policy?

Commercial Vehicle Policy Coverage

A Commercial Vehicle policy includes the same standard coverages as your regular auto insurance policy such as;

  • Third Party Liability – covers damage caused to other people and property and also payments for medical care
  • Accident Benefits – covers benefits like medical rehab, income replacement, and funeral expenses.
  • Uninsured Motorist Coverage – includes hit and run drivers and people that do not have sufficient insurance coverage for your claims. Your insurance company will pay the difference, so you will not have to suffer.
  • Direct Compensation Property Damage – pays for your vehicle repairs if you are not, or only partially at fault, for an accident. Your DCPD will pay that portion.
  • Comprehensive – will pay for theft, fire, glass breakage, and vandalism. It also will cover instances like tree limbs falling on the vehicle.(Optional)
  • Collision – pays for your vehicle repairs should you be at fault.(Optional)

A commercial vehicle insurance policy is also rated for your specific business use.

Quote Requests

Please complete the form below to start your Commercial Vehicle Insurance quote request and remember to visit the other pages on our website for more insurance information.