Commercial Auto Insurance Massachusetts

Commercial Auto Insurance from Massachusetts Specialists

Proudly Providing Commercial Auto Insurance to Residents in Massachusetts & 25 Other States Across the Nation

Whether driving in a nor’easter or on a sunny summer day, the risk of an accident is ever present. If your employee gets in an auto accident while in a company vehicle or conducting company business, your business may be held liable for the damages. If you or your employees drive as part of the job, you may need commercial auto insurance to protect your company. 

Massachusetts is a no-fault auto insurance state; if there is an accident, each party files a claim with their own insurance company for medical payments and property damage. However, there are some situations that allow lawsuits to be filed, including permanent serious injury, and medical expenses exceeding $2000. If the accident occurred while the driver was conducting company business, your company – and your business auto insurance – could be responsible for the damages to your own vehicle and employee, as well as any legal fees and damages that follow. Investing in proper insurance coverage can help protect your business if an accident occurs.

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Commercial Auto Insurance MassachusettsLegal Requirements

Like many other states, MA requires that all vehicles be properly registered and insured in order to legally operate them. This requirement holds for commercial vehicles as well. If your company owns vehicles for business use, you must confim with your agent that you have at least the minimum insurance coverage, including:

  • Bodily Injury Liability of $20,000 per person/$40,000 per accident
  • Personal Injury Protection of $8,000 per person per accident
  • Uninsured Bodily Injury of $20,000 per person/$40,000 per accident
  • Property Damage of $5,000 per accident.

These are minimum coverages designed to provide basic coverage for all drivers. However, as a business with more assets, it’s often wise to invest in more insurance in case you are subject to a lawsuit.

If your company does not own vehicles but uses employee vehicles for business use, you may still benefit from purchasing insurance for these vehicles. Many personal auto policies may not cover accidents caused during business use. Even if it is covered, there may not be enough to protect your business from expensive lawsuits if the accident is severe.

Commercial Auto Insurance MassachusettsOther Commercial Auto Insurance Coverage Options For Your Massachusetts Business

While the state legal minimums ensure that all drivers carry some liability, property, and medical payments coverage, many companies opt to buy additional coverage options for more comprehensive protection. Some popular options include:

  • Collision Coverage to help pay for damages to your insured vehicle in a collision accident.
  • Comprehensive Coverage to help pay for damages to the insured vehicle for reasons other than collision including fire, theft, vandalism, debris, and flooding.
  • Hired, Non-Owned Coverage to help to provide coverage for rental vehicles and employee-owned vehicles used for company purposes.

Depending on your specific vehicles, equipment you carry, and other factors, you may need to purchase additional insurance endorsements for full coverage. Your agent can help you determine what type of coverage is right for your business based on usage, drivers, vehicles, and other factors.

Massachusetts requires that all vehicles be minimally insured, for the protection of all drivers. With winter storms, unpredictable traffic, and other risks on the road, an accident may happen at any time, even to the best of drivers. By investing in commercial auto insurance for company and employee-used vehicles, you can find better financial protections for your business in the case of an accident

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