Get A Quote For Maryland and Pennsylvania Commercial Auto Insurance
Secure your business vehicles and drivers in Maryland or Pennsylvania with our all-encompassing commercial auto insurance. Our knowledgeable team is dedicated to collaborating with you to identify your company's specific needs and risk factors, ensuring you receive the appropriate coverage at competitive prices. Whether you require fleet insurance for delivery vans and service trucks or non-owned auto liability for employees using their personal vehicles for work, we provide customized solutions to protect your business on the road. With our extensive network of highly-rated carriers, you can choose from a variety of coverage options, including collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. Rely on Downes Insurance Associates for expert guidance, personalized service, and the reassurance you need regarding commercial auto insurance.
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Who needs MD or PA commercial auto insurance?
Businesses in Maryland and Pennsylvania that utilize vehicles for their operations typically require commercial auto insurance. This encompasses companies that either own or lease cars, trucks, vans, or other vehicles intended for the transportation of goods, equipment, or individuals.
Common professions that purchase Maryland or Pennsylvania commercial auto insurance include:
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MD & PA Contractors: Professionals such as contractors, landscapers, construction firms, and various tradespeople who rely on trucks or vans to transport tools and equipment to their work sites generally require commercial vehicle insurance.
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MD & PA Delivery companies: Businesses that utilize vehicles for transporting goods to customers must secure commercial auto insurance to safeguard their drivers, vehicles, and cargo.
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MD & PA Transportation services: Businesses that utilize vehicles like cars or vans for passenger transport, including taxis, limousines, and various livery services, require insurance coverage for their commercial fleets.
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MD & PA Food services: Businesses such as restaurants, food trucks, and catering services that utilize vehicles for food delivery or mobile kitchen operations typically need a commercial auto insurance policy.
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MD & PA Non-profit organizations: If your business relies on buses or vans to transport volunteers or clients, obtaining commercial auto insurance could be essential.
It's crucial to understand that standard personal auto insurance policies usually exclude coverage for vehicles utilized for business activities. If your job requires the use of vehicles, consider obtaining commercial auto insurance to ensure they are adequately protected.
Common questions about Maryland & Pennsylvania commercial auto insurance
Does Maryland & Pennsylvania commercial auto insurance cover personal use?
It's important to recognize that typical personal auto insurance policies often do not cover vehicles used for business purposes. If your work involves driving, it's wise to invest in commercial auto insurance to guarantee proper protection for your vehicles.
What drivers are covered under Maryland & Pennsylvania commercial auto insurance?
It is essential to list all drivers who frequently use your commercial vehicle on your insurance policy. While additional drivers might be included, there are limitations for those not explicitly named in the policy.
Are tools and materials in my vehicle covered under a Maryland & Pennsylvania commercial auto policy?
It depends. Permanently attached tools and equipment are covered by a commercial auto policy.
Do I need Maryland or Pennsylvania commercial auto insurance to drive for a rideshare company, like Lyft or Uber?
In general, the answer is no. Rideshare companies usually provide insurance while you are driving for them, but this coverage often comes with limitations. To ensure you have comprehensive protection, consider enhancing your personal auto insurance with endorsements that add extra coverage. Alternatively, you might explore obtaining commercial for-hire livery insurance for additional security.
Do I need special insurance to deliver pizza or other goods for a fee in Maryland & Pennsylvania
Indeed, it is highly probable. The majority of personal auto insurance policies typically exclude coverage for losses incurred while delivering for a fee, such as pizza delivery and various other delivery services. If you experience a work-related accident without commercial auto insurance, your claim may be rejected, and you could be personally liable for any damages. Obtaining a commercial auto policy can safeguard you against these risks.
Does Maryland & Pennsylvania commercial auto insurance cover theft of personal items?
Not always. A commercial auto policy provides coverage for the vehicle and any items that are permanently attached, like a ladder rack or a truck bed toolbox. However, it does not extend to the ladders and tools themselves. To ensure that the contents of your vehicle are protected, you would require a general liability policy.
How much will my Maryland or Pennsylvania insurance go up if I’m involved in an accident with my commercial vehicle?
It varies. While an accident won't impact the rate of your existing policy, it may influence your renewal rate. Each time your policy expires, it is reassessed to align with your current circumstances. Factors such as fault, the claim amount, and your past accident record play a role in any potential rate adjustments. Therefore, while accidents are taken into account when setting your rate, an increase is not assured.