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Premier Risk Group

68750 Oak St
Richmond, MI 48062

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Michigan Commercial Auto Insurance Coverage

Commercial Auto Insurance in Michigan

If your business owns a vehicle, or your employees drive for work, a personal auto policy will not protect you the way a commercial auto policy will. Commercial Auto Insurance is built for vehicles used in the course of doing business, whether that is a single work truck or a full fleet of vehicles, and it fills gaps that a personal policy was never designed to cover.

What Commercial Auto Insurance Covers

A commercial auto policy typically includes:

  • Liability coverage for bodily injury or property damage caused by a covered vehicle
  • Physical damage coverage, including collision and comprehensive, for your vehicles
  • Michigan no-fault medical coverage for injuries to you or your passengers
  • Uninsured and underinsured motorist protection

Coverage Built for the Way You Do Business

Because the industries we serve use their vehicles differently, we help build coverage around how your business actually operates, including:

  • Hired and non-owned auto coverage, for employees who use their personal vehicles for work errands or deliveries
  • Coverage for tools and equipment carried in work trucks and trailers
  • Dealer plate and garage coverage for auto dealerships and detailers

Who Needs Commercial Auto Insurance

Commercial Auto Insurance is worth a conversation if your business involves:

  • Company-owned trucks, vans, or cars
  • Employees who regularly drive their own vehicles for work
  • Hauling tools, equipment, or materials between job sites
  • Delivering goods or providing services at customer locations

Get a Commercial Auto Insurance Review

If your fleet grows or your business takes on larger contracts, we can also help you evaluate whether an umbrella policy makes sense for added liability protection above your commercial auto limits. Because coverage depends on your vehicles, your drivers, and how they are used, our online quoting tool does not cover this type of policy. Contact our Richmond, Michigan team today, and we will help make sure every vehicle tied to your business is properly protected, on and off the road.

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