Commercial Auto Insurance in Cranston , RI
If your business relies on vehicles, (whether a single work truck or a fleet), you’ll need more than a personal auto policy to stay covered. Commercial auto insurance is designed for business-use vehicles, helping to address costs tied to accidents or damage. At Gaulin Insurance Agency, we help businesses in Cranston secure coverage that fits their industry, driving habits and vehicle types.
What is Commercial Auto Insurance?
Commercial auto insurance is a policy that covers vehicles used for business purposes. This includes cars, trucks, vans and specialty vehicles used to transport goods or people as part of your operations.
Unlike personal auto insurance, a commercial policy typically offers higher liability limits and more flexible coverage options suited to daily business use. Whether your employees make deliveries or drive to job sites, this coverage can play an important role in keeping your operations on track.
What Does It Typically Cover?
A commercial auto policy may include:
- Liability coverage may help if your driver is responsible for injury or property damage.
- Collision coverage may cover repair costs if your vehicle is damaged in a crash.
- Comprehensive coverage can help pay for losses caused by fires, vandalism, severe weather and other noncollision incidents.
- Medical payments coverage may assist with injury-related expenses for the driver and passengers.
- Uninsured/underinsured motorist coverage may help if another party without adequate coverage is at fault for an accident.
- Hired and non-owned auto coverage can be useful if employees use personal or rented vehicles for business tasks.
Coverage can be tailored based on the type of vehicle, how it’s used and who is driving it.
Get the Right Policy for the Road Ahead
At Gaulin Insurance Agency, we work with Cranston business owners to help them find practical, well-matched commercial auto coverage. Contact us today for a quote and learn how your policy can align with your day-to-day operations.