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Home > Commercial-Products > Coverage-For-Your-Business > Commercial Auto Insurance - Columbus OH & Powell OH

Commercial Auto Insurance in Columbus and Delaware, OH

Commercial auto insurance helps provide essential coverage for Ohio companies that use vehicles to conduct business. Contact Geswein Insurance today to get a personalized commercial auto insurance quote.  

When Do You Need Commercial Auto Insurance? 

Companies that use vehicles in everyday business, such as delivering products, visiting clients or providing transportation, must purchase the minimum liability insurance required by Ohio.  

Depending on your company’s risks and exposures, your agent may recommend that you purchase additional coverage to help protect your company’s vehicles.  

Who Is Insured Under a Commercial Auto Policy? 

Depending on your choices as you build your commercial auto coverage, your policy may provide limited or broad coverage.  

In general, you have three main options for commercial auto coverage: 

  • All vehicles used for business purposes, including those you do not own
  • Vehicles your business owns, leases, or hires
  • Vehicles your business owns 

What Coverage Does Commercial Auto Insurance Provide? 

Ohio requires all businesses that use vehicles to carry minimum amounts of liability coverage, including the following: 

  • Property damage liability to help pay for third-party property damage after an at-fault auto accident 
  • Bodily injury damage liability to help pay for third-party injuries after an at-fault accident  

Your agent may recommend that you also purchase the following policies:  

  • Collision insurance helps pay for damages to the covered vehicle after a collision with another vehicle or object. Your lienholder typically requires collision coverage as part of your full coverage auto insurance policy.
  • Comprehensive insurance helps pay for nonaccident-related damages to the covered vehicle, including fire, vandalism, weather damage or theft. Your lienholder typically requires comprehensive insurance as part of your full coverage auto insurance policy.
  • Medical payments (MedPay) helps pay for several loss types, including medical bills if a company vehicle driver or passenger is injured in an accident.
  • Uninsured/underinsured motorist insurance helps cover damage to the insured vehicle if you are in an accident with an at-fault driver that doesn’t have appropriate insurance coverage.
  • Gap insurance helps cover the “gap” between the amount you owe on your company vehicle and the settlement from your insurance company after an accident that renders the vehicle a total loss. Your lienholder may require this coverage.  

Your agent may also recommend additional commercial auto coverage, including the following: 

  • Replacement cost vehicle coverage
  • Inland marine insurance 
  • Roadside assistance 
  • Rental car reimbursement  

How Does Commercial Auto Insurance Work?  

Commercial auto insurance helps cover your company’s legal liability after an at-fault accident if someone else is injured or suffers property damage. It may also help cover your company’s vehicles if you choose comprehensive and collision coverage.  

Personal auto insurance policies may not provide coverage for accidents if you use a personal vehicle for business purposes. Discuss your situation with your agent to get expert guidance on which policies may be most appropriate for your company.  

Contact Us 

Contact Geswein Insurance in Powell, Ohio, to learn more about your commercial auto insurance options and to start building coverage to meet your organization’s needs.  

 

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Contact us 9918 Brewster Lane
Powell, OH 43065

O: 614-389-2360
Fax: 614-538-2945
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