Commercial Auto Insurance
Specifically designed to handle your business needs
Running a business comes with plenty of challenges—your auto insurance shouldn’t be one of them. At Ford Insurance, we offer customized commercial auto insurance that’s built to protect your work vehicles and your bottom line. Whether you’re managing a fleet of trucks or just a couple of company cars, we’ve got you covered, so you can focus on what matters most—growing your business.
What we cover
Your personal car insurance won’t cover claims if you’re driving your car for business purposes and get into an accident. Whether you own a small business with a single delivery van or manage a fleet of trucks, commercial auto insurance makes sure you’re not left footing the bill for repairs, legal fees, or medical expenses after an accident.
Liability Coverage
Pays for injuries and property damage to others if you or one of your employees is at fault in an accident while driving a business vehicle.
Collision Insurance
Helps cover the cost of repairing or replacing your work vehicle if it’s damaged in an accident, no matter who’s at fault.
Comprehensive Insurance
Protects your vehicle against non-collision events like theft, fire, vandalism, or severe weather.
Types of Vehicles Covered
Delivery vans, Commercial trucks (box trucks, semi-trucks), Company cars, Food trucks, Service vehicles
Why The Ford Agency
At Ford Insurance, we make it easy to protect your business and its vehicles with commercial auto insurance tailored to your needs. You’ve worked hard to build your business—let us help you protect it with coverage you can count on.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
