Commercial Auto and Trucking

Is Massachusetts Commercial Auto Insurance Necessary?

If your line of employment requires higher amounts of liability, a commercial auto policy can be suitable.

A commercial auto insurance policy can be necessary if you plan to tow a trailer or haul a sizable amount of tools or equipment for your business. If the vehicle is driven by employees or is owned by a corporation or partnership, you could need a commercial insurance policy.

Cunningham Insurance Agency, Inc is locally and woman owned with decades of experience serving the Pioneer Valley. We offer applicable discounts, as well as free, accurate, and straightforward estimates. Call (413) 589-1616 today to get started.

What Does Commercial Auto Insurance Cover?

Similar coverages including liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorists coverage are offered to Massachusetts businesses by commercial vehicle insurance, just like they are by your personal auto policy. A commercial auto insurance policy differs from your personal auto policy in a few other ways as well, such as eligibility, definitions, coverages, exclusions, and limits.

The majority of commercial auto insurance policies are "named driver only" policies, which restrict the use of covered vehicles to the individuals listed on the policy.

What Are the Coverages?

Liability coverage: for bodily damage covers any harm to your body or death stemming from an accident in which you are at fault and gives you legal protection. Insurance that covers property damage liability gives you security if your vehicle unintentionally ruins someone else's property. It also gives you a defense in court.

Combined single limit (CSL) liability plans: usually have different limitations that cover claims for property damage as well as bodily injuries. The same dollar amount of coverage is provided by combined single-limits insurance for each covered event, whether it involves one or more persons, property damage, or physical injury.

Medical payments: often known as no-fault or personal injury coverage, typically cover medical costs incurred by the driver and any passengers in your vehicle due to a covered accident, regardless of who is at fault. Your injuries and, in some cases, certain property damage brought on by an uninsured or hit-and-run driver are covered under the uninsured motorist policy.

Underinsured motorist coverage: This pays for your injuries and in some cases also covers property damage caused by an underinsured motorist. This is mainly for situations where the negligent driver's insurance is insufficient.

Comprehensive physical damage coverage: covers theft, vandalism, floods, fires, and other covered risks, as well as the cost of repairing or replacing your car. Auto insurance covers damage to your vehicle when it collides with or is struck by another object.

For all of your truck or trucking insurance needs in Ludlow, MA, including the Chicopee, East Longmeadow, Palmer, Springfield, and Wilbraham regions, Cunningham Insurance Agency, Inc can assist you in finding the appropriate coverage at a reasonable cost. We offer multi-policy discounts for this reason. We can customize a plan to fit your truck and trailer needs and work with some of the best insurance providers for commercial trucks.

Truck Insurance Coverages in Ludlow, MA

• Primary liability: If a truck accident causes harm to another person, this coverage choice shields you from that harm. Federal and state agencies require this coverage.
• Comprehensive Physical Damage and Collision Coverage: Your truck and trailer are covered by comprehensive physical damage and collision coverage under this insurance. This coverage pays for the repair or replacement of damage to your owned vehicles caused by collisions, fires, theft, hail, windstorms, earthquakes, floods, mishaps, or vandalism.
• Motor truck cargo coverage: If freight is lost or destroyed, the carrier's liability is covered by motor truck cargo insurance. There is a maximum load limit per car when purchasing the policy.
• General liability: This insurance covers accidents or property damage incurred when visiting your location, utilizing your goods or services, or as a result of a contract violation. Numerous coverage options for artisans, contractors, contractors' liability, contractual liability, electrical work, and plumbing are available from our organization.
• Non-trucking liability/bobtail coverage: This type of insurance offers limited liability protection to owner-operators who lease their vehicles to an ICC-regulated carrier permanently. In situations where the owner-operator is not hauling a loaded trailer or on dispatch, it offers little liability protection.

The original purpose of Massachusetts Inland Marine Insurance was to protect cargo shipped by sea. This policy is now available for both personal and commercial property, and it now covers things on land.

An optional coverage option with larger limits is an inland marine policy from Cunningham Insurance Agency, Inc if you frequently move valuable property from one location to another. Payment plans are available upon request.

Inland Marine Insurance Options in Ludlow, MA

A commercial inland marine floater guarantees that the protection of your transportable or moveable property is greater than that offered by a standard property policy. No matter where they go or are situated, the tools, equipment, merchandise, and other objects you carry for your business are covered by this reasonably priced protection. You will be covered for losses brought on by mishaps, burglary, vandalism, or destruction. Almost always, these insurance are written with all risks included rather than just certain risks.

Your homeowners' policy's coverage can be increased by Massachusetts Personal Inland Marine plans to safeguard your investments in valuables including computers, jewels, furs, fine art, cameras, musical instruments, collections, and sports equipment. The majority of insured items are movable and have a high value.

We are licensed in the state of Massachusetts, and we offer free registry services for your convenience. Call today and let us help you cut your insurance costs.