Commercial AutoPhysical Damage Insurance
Comprehensive protection for your commercial vehicles against collision, theft, fire, vandalism, and weather damage. Safeguard your assets and keep your business moving forward.
Types of Physical Damage Coverage
Choose from multiple coverage options designed to protect your commercial vehicles from a wide range of risks, from accidents to natural disasters.
Collision Coverage
Protects your vehicles when damaged in an accident with another vehicle or object, regardless of who's at fault.
- Accidents with other vehicles
- Single-vehicle accidents
- Hitting stationary objects
- Vehicle rollover incidents
Comprehensive Coverage
Covers damage from non-collision events, providing all-risk protection for your vehicles beyond accident scenarios.
- Theft and vandalism
- Fire and explosion
- Weather damage (hail, wind, flood)
- Falling objects and glass breakage
Specified Causes Coverage
A cost-effective alternative to comprehensive that covers specific, named perils rather than all-risk protection.
- Fire and lightning
- Theft and malicious mischief
- Wind, hail, and flood
- Earthquake and explosion
Coverage Enhancements
Customize your physical damage protection with additional coverages that address specific business needs and provide comprehensive financial security.
Gap Coverage
Covers the difference between your vehicle's actual cash value and your outstanding loan or lease balance in the event of a total loss, protecting you from financial shortfalls.
Rental Reimbursement
Pays for temporary rental vehicle costs while your damaged vehicle is being repaired, keeping your business operations running smoothly during downtime.
Towing & Labor
Covers towing costs to the nearest qualified repair facility after a covered loss, with options for extended towing to your preferred repair location.
Downtime Coverage
Provides compensation when your vehicle is out of service for extended repairs following a covered loss, helping offset lost revenue during repair periods.
Hired Auto Physical Damage
Extends protection to vehicles you rent, hire, or borrow for business use, covering physical damage exposures beyond your owned fleet.
Equipment & Accessories
Covers permanently installed equipment, custom modifications, and specialized tools beyond standard vehicle coverage, including GPS systems and communication devices.
Vehicles We Cover
Physical damage protection for every type of commercial vehicle in your operation, from light-duty vans to heavy-haul tractors and specialized equipment.
Light Commercial Vehicles
- Cargo Vans
- Pickup Trucks
- Service Vehicles
- Utility Vehicles
- Panel Vans
Heavy Commercial Trucks
- Semi-Tractors
- Straight Trucks
- Box Trucks
- Dump Trucks
- Flatbed Trucks
Specialized Equipment
- Refrigerated Units
- Tank Vehicles
- Heavy Haul Equipment
- Tow Trucks
- Construction Equipment
Trailers & Attachments
- Dry Van Trailers
- Flatbed Trailers
- Refrigerated Trailers
- Dump Trailers
- Specialty Trailers
Don't See Your Vehicle Type?
We cover virtually every type of commercial vehicle. If your specialized equipment, custom vehicle, or unique fleet isn't listed above, our experts can create a tailored physical damage solution for you.
Important Note
Coverage exclusions can vary by policy and state. Always review your specific policy documents and discuss your coverage with your insurance agent to understand exactly what is and isn't covered under your physical damage insurance.
Physical Damage Insurance FAQs
Common questions about protecting your commercial vehicles with physical damage coverage
Protect Your Assets withPhysical Damage Coverage
Don't leave your commercial vehicles vulnerable to costly damage. Get comprehensive physical damage protection tailored to your business needs. Our experienced agents will help you find the right coverage with competitive rates.
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Customized physical damage protection for your fleet
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