Commercial Auto Insurance in Jerome, ID
Commercial auto insurance is crucial for companies that use vehicles to conduct business. At Prescott & Craig, Inc., we understand the unique risks Idaho businesses face on the road. That’s why our team is dedicated to helping you find suitable commercial auto insurance solutions for your needs.
What Does a Policy Cover?
Specifics may vary per insurer, and commercial auto policies can be tailored to fit a business’s needs. However, policies typically cover the following:
- Expenses related to third-party bodily injuries or property damage that you or an employee caused while operating a vehicle
- Repair costs if your vehicle is damaged by falling objects, fire, theft, vandalism or weather events
- Your losses if your vehicle is hit by an at-fault driver with no insurance coverage
- Damage to personal and rented vehicles used for business
Who Needs Commercial Auto Insurance?
Most businesses in Idaho are required to purchase commercial auto insurance if they use vehicles for work. The state mandates a minimum amount of liability coverage for bodily injury and property damage.
How Much Does a Policy Cost?
Several factors can affect your commercial auto premiums, including:
- Location
- Employees’ driving records
- Fleet characteristics (e.g., vehicle type, model, year, etc.)
- Claims history
- Coverage selections
- Deductible
Why Choose Prescott & Craig, Inc.?
We help business owners assess their needs, recommend appropriate coverage and provide support throughout the claims process. Contact us today for a personalized quote.