Affordable Commercial Auto Insurance Ohio

Affordable Commercial Auto Insurance Ohio

#1 Commercial Auto Insurance In Ohio

To ensure that your business runs smoothly, it is important to protect your assets. This includes any commercial vehicles that you use during your day-to-day operations. According to the Ohio Bureau of Motor Vehicles, or BMV, an individual must have insurance to drive any motor vehicle. Additionally, the vehicle owner cannot allow another driver to operate their vehicle without the proper insurance.

Insura proudly helps businesses all over Ohio to cover the vehicles used during business hours. If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur.

Keep reading to learn more about InsurA’s commercial auto insurance coverage, what commercial auto insurance is, requirements for application, how much commercial auto insurance costs, and more.

What Does Insura’s Ohio Commercial Auto Insurance Cover?

InsurA provides each customer with a customized business auto insurance solution with coverage tailored to their needs. This will cover any type of vehicle that’s used for business purposes, such as vans, cars, and trucks. Although the type of commercial auto insurance recommended would be based on your operations, considering present and future requirements, it would generally cover driver injury, vehicle damage, injury to somebody else, and damage to somebody else’s property.

There are numerous types of commercial auto coverages to consider when looking for an insurance policy. Some examples of commercial auto insurance coverage include:

  • Third-party liability coverage
  • Collision or accident coverage
  • General liability coverage
  • Comprehensive coverage, which refers to any non-collision loss
  • Loading and unloading coverage
  • Medical payments for you and passengers in your vehicle
  • Accidents that involve uninsured motorists
  • Legal fees if you had been sued over the other party’s injuries

This is by no means an exhaustive list of the commercial auto insurance you can receive from Insura. Customers with any questions about commercial auto insurance coverage are encouraged to contact the expert team at Insura.

Who Needs Commercial Auto Coverage?

If you or your staff use a vehicle to conduct business, you need to have commercial auto insurance. The types of professions and businesses that typically have commercial auto insurance include:

  • Food vendors and caterers
  • Plumbers, electricians, and HVAC technicians
  • Landscapers and similar providers
  • Painters, carpenters, and other types of contractors
  • Auto mechanics
  • Bakeries
  • Cleaning services
  • Snow plow services
  • Sales personnel
  • Real estate professionals

There is an exception to this rule, however. If you drive a Lyft or an Uber or use a vehicle to deliver goods and services (like Grubhub), you will want to skip commercial auto insurance and go for rideshare insurance instead.

Requirements for Commercial Auto Insurance in Ohio

U.S. states have different requirements when it comes to the issuance of commercial vehicle insurance. In Ohio, all motorists driving a vehicle must have insurance, and auto owners should never allow anybody without insurance to drive their vehicles. Ohio commercial auto insurance laws state that the minimum required for insurance coverage are as follows:

  • $25,000 per person
  • $50,000 per accident for bodily injury
  • $25,000 for property damage

Proof of insurance should also be on hand in the vehicle and presented at every traffic stop, vehicle inspection, and accident site. Your insurance agent will explain in detail what your requirements will be based on your type of business, type of vehicle, and coverage needs.

Insura’s Commercial Auto Insurance Specialities: Filings

Along with the policy selection process, your independent insurance agent at Insura also aids you in federal insurance filings.

To receive the proper operating authority, all commercial motor carriers and brokers must have specific documentation on file with the Federal Motor Carrier Safety Administration, or FMCSA. The kind of filings you are required to fill out and file vary depending on your business. For example, a general motor carrier is required to file public liability insurance, while a household goods motor carrier requires cargo insurance.

Thankfully, you don’t have to worry about completing these filings on your own. Our expert team at Insura provides federal filings services for all commercial auto insurance customers. As a result, Insura can ensure that the proper filings are completed and filed with the FMCSA.

What is the Cost of Commercial Auto Insurance in Ohio?

There are several factors that will impact the overall cost of your Ohio commercial auto insurance policy, such as:

The liability limit you select

This refers to the maximum amount available through your policy in the event of an accident or injury. A liability limit refers to the highest dollar amount that your insurance provider will cover. This is predetermined by you before your policy takes effect.

The types of coverage you select

This refers to coverage deductibles. If your insurance policy includes cargo coverage, your cost will differ from someone who doesn’t buy cargo coverage.

The type of vehicles you are insuring

There are various insurance requirements for vehicles above or below a certain weight or seating capacity. A large dump truck, for example, will have a higher premium than a small catering van.

Your location

Commercial auto insurance costs will be higher in major cities like New York than quieter locations like Ohio. Prices are also higher in areas that are prone to floods, tornadoes, and other natural occurrences that can bring damage to your vehicle.

Your travel radius

The distance that your vehicle routinely travels can affect your commercial auto insurance rate. The longer the total route is, the higher the premium will be.

Your profession or nature of business

Some types of professions carry a higher risk than others. An electrician who carries potentially hazardous equipment and tools to different job locations daily can expect to pay a higher premium than a salesperson who visits different retailers while carrying product samples.

The best way to determine your commercial auto insurance policy’s cost is by contacting the team at Insura. Once partnered with Insura, we take the necessary time to understand the needs of your business. Then, our team can choose the best carrier that aligns with your unique needs. When Insura recommends a policy to you, we ensure that that policy’s cost remains within your price range. By and large, Insura provides each customer with a comprehensive and personalized insurance experience.

To learn more about Insura’s commercial auto insurance plans and the coverage we offer, contact our team at 614-500-4147 or online today.

InsurA offers Ohio coverage state wide! As far north as Cleveland, as far south as Cincinnati, as far east as Canton, as far west as Dayton and EVERY location in between, InsurA provides insurance FOR ALL!

We offer commercial auto insurance anywhere in Ohio.

  • Akron
  • Canton
  • Cincinnati
  • Cleveland
  • Columbus
  • Dayton
  • Lorain
  • Parma
  • Reynoldsburg
  • Toledo
  • Youngstown
  • and more

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The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate the insured in case of a covered loss.

Need Help? Call Us at  614-500-4147

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