Business Auto Insurance

What business auto insurance covers:

Business auto insurance (or ‘commercial auto insurance’) provides essential protection for vehicles used in your medical practice for business purposes. We tailor commercial auto coverage to fit the specific needs of health care providers, ensuring your practice and its assets are fully protected. This includes coverage for cars, trucks, vans, and ambulances — including fleet ambulance auto insurance — used to transport medical staff, equipment, or supplies. Key coverage options include:

• Liability coverage for bodily injury and property damage caused by your vehicles.
• Physical damage coverage to repair or replace vehicles after an accident or other events like theft or vandalism.
• Medical payments and personal injury protection to cover medical expenses for drivers and passengers.
• Hired and non-owned auto coverage (HNOA) to protect your business when employees use personal vehicles or rent cars for work.
• General liability protection in case of legal claims related to vehicle accidents.
• With these insurance coverages, you can make sure your vehicles are covered and your practice is safeguarded against potential risks on the road.

How much does business auto insurance cost?

Premiums vary based on several factors, including but not limited to: the type of vehicles your practice uses, the number of vehicles, how often they’re driven for business purposes, and the driving records of your employees. The level of insurance coverage and any additional coverage options — such as hired and non-owned auto coverage — also influence the cost.

We’re committed to putting your needs first and helping you manage costs proactively.