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Protect Your Business on the Road With Tailored Connecticut Commercial Auto Insurance From The Allen Thomas Group Insurance Agency
Tired of worrying about unexpected road hazards?
The Allen Thomas Group Insurance Agency offers tailored Connecticut commercial auto insurance solutions to protect your business.
The Experts: Our experienced team will work with you to design a business insurance policy that covers your vehicles, drivers, and assets, providing you with the peace of mind you deserve.
With over 20 years of industry expertise, we’re dedicated to delivering exceptional service and competitive rates.
If you use vehicles for business, don’t let road risks jeopardize your hard-earned success.
Contact our insurance agents to customize a policy to shield your business from the unexpected with the best liability insurance.
Click on the button below to get a quote for commercial vehicles now!
How much does commercial auto insurance cost in Connecticut?
The average cost of commercial auto insurance in Connecticut is approximately $147 per month or $1,762 annually. However, this can vary based on factors such as business size, vehicle types, and driving history of employees.
Additionally, Connecticut mandates minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage.
How Does Commercial Auto Insurance Work?
Commercial auto insurance helps protect businesses when commercial vehicles are involved in accidents.
What it covers: When general liability does not cover damage to company vehicles, you need business auto insurance to cover damages, injuries, and legal expenses that may arise from incidents on the road.
Unlike personal auto insurance policies, commercial coverage is designed to handle the unique risks businesses face when operating vehicles for work purposes.
Why it matters: Connecticut law requires all vehicles used for business to carry auto insurance. This mandate applies to a wide range of vehicles, from delivery vans to construction trucks.
Commercial car insurance coverage for your business extends beyond the vehicle itself, encompassing drivers, passengers, and potential third-party claims.
Who Needs Commercial Auto Insurance in Connecticut?
Who needs it: Businesses that own or use vehicles for work-related tasks should get a commercial auto insurance policy.
This includes contractors transporting tools and materials to job sites, delivery services moving goods across the state, and landscaping companies with fleets of work trucks.
Catering businesses operating food trucks, real estate agents driving clients to property viewings, and any company with employees who drive for work purposes also require this insurance in CT.
Even if your business only uses vehicles occasionally for work tasks, commercial vehicle insurance is essential to protect against potential liabilities.
If your employees use personal vehicles for work, hired and non-owned auto insurance can provide necessary coverage.
This policy type protects your business when employees use their own or rented vehicles for work-related tasks, filling a crucial gap in coverage that personal auto policies don’t address.
Types of Commercial Auto Insurance Coverage in Connecticut
We offer several types of auto insurance to meet the diverse needs of Connecticut businesses.
Liability coverage pays for damages your business vehicles cause to others, including property damage and bodily injury.
Collision coverage protects your vehicles from damage sustained in accidents, regardless of fault.
Comprehensive coverage safeguards against non-collision incidents, such as theft, vandalism, and weather-related damage.
Medical payments coverage takes care of medical expenses for your drivers and passengers in case of an accident.
Uninsured/underinsured motorist coverage protects you if your business vehicle is hit by a driver with inadequate or no insurance, a scenario more common than many realize.
For businesses operating specialized vehicles, we provide tailored coverage options.
Food trucks with built-in kitchen equipment require specific protections for their unique setup.
Tow trucks face particular operational risks that standard policies might not cover.
Dump trucks carrying heavy loads need coverage that accounts for potential cargo spills.
Utility vehicles with mounted equipment require policies that protect both the vehicle and the attached machinery.
Why Choose The Allen Thomas Group for Commercial Vehicle Insurance?
Your partner: The Allen Thomas Group stands out in Connecticut’s insurance landscape due to our local expertise and customized approach.
We understand the unique challenges Connecticut businesses face, from navigating busy urban areas like Hartford and New Haven to dealing with harsh winter conditions that affect road safety.
Our team crafts insurance programs tailored to your specific business insurance needs, avoiding one-size-fits-all solutions that might leave gaps in coverage.
Our Connecticut commercial insurance agents average over 20 years in the industry, bringing a wealth of experience to every policy we write.
The perfect carrier: We work with multiple insurance carriers to find competitive rates for Connecticut business owners without compromising on coverage quality.
Our commitment to exceptional service means you’ll always have responsive, personalized customer care, whether you’re setting up a new policy or need to file a claim.
How to Get Started A Commercial Auto Insurance Quote?
Getting started with The Allen Thomas Group is a straightforward process designed to make securing business coverage as easy as possible for small business customers.
Begin by contacting us for a quote to get insurance today.
Crafted for you: We’ll ask for details about your business operations and the vehicles you need to insure.
This information helps us understand your specific needs and risk profile.
We will take time to understand your business and give insurance advice, reviewing options specific to your business and creating customized policy recommendations.
We’ll offer commercial insurance options, explaining coverage details and answering any questions you might have.
After you’ve chosen the coverage that best fits your needs and budget, we’ll set up your policy, ensuring you have all necessary documentation for compliance with Connecticut regulations.
How Commercial Auto Insurance Protects Your Business?
Proper commercial auto coverage provides numerous benefits for small business owners using vehicles in Connecticut for work purposes.
It ensures legal compliance with state insurance requirements, helping you prevent potential fines or legal issues.
Small business insurance of this type offers crucial financial protection, shielding your company from potentially bankrupting lawsuits that could arise from accidents involving your business vehicles.
Commercial auto insurance can help support business continuity by ensuring operations can continue after vehicle-related incidents.
It provides for quick repairs or replacements, minimizing downtime.
This commercial policy also offers peace of mind for staff using company vehicles, knowing they’re protected while on the job.
Additionally, having robust auto insurance demonstrates professionalism and responsibility to your clients, potentially giving you an edge over competitors.
Factors Affecting Commercial Auto Insurance Policy Premiums
Several factors influence the cost of auto insurance in Connecticut.
The type of vehicles your business uses and how they are utilized play a significant role; a fleet of heavy-duty trucks will typically cost more to insure than a few passenger cars used for client visits.
Driver history and experience also impact premiums, with safe, experienced drivers often qualifying for lower rates.
Coverage limits and deductibles you choose directly affect your premium costs.
Higher coverage limits provide more protection but come with higher premiums, while higher deductibles can lower your premiums but increase out-of-pocket costs in the event of a claim.
Your business location and operating radius in Connecticut also factor into pricing, as areas with higher traffic or accident rates may see higher premiums.
Finally, your claims history influences your rates, with businesses that have fewer claims generally enjoying lower premiums.
Tailored Insurance Solutions Built For Your Connecticut Business
We know how frustrating and complex the process of finding the right commercial auto insurance can be.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Let Us Help You Get the Best Commercial Auto Insurance Cost To Protect Your Connecticut Business Vehicles Now
We’re an insurance agency that has been serving Connecticut businesses for over two decades with tailored commercial automobile insurance solutions.
Our agents understand the local business landscape and the unique challenges you face when your business drives vehicles with a Connecticut license.
From Hartford to New Haven, Bridgeport to Stamford, we’re here to protect your business vehicles and support your business needs.
Your business is vulnerable on the road as well.
Getting the right insurance for your business vehicles can be a game changer.
Contact The Allen Thomas Group today for a free commercial auto insurance quote today.
Call us at (440) 826-3676 or click on the button below to get started.
Get the peace of mind you deserve with the right type of insurance coverage.
Get More Insights On Making The Right Insurance Decision For Your Company
Can I use my personal auto insurance for business purposes?
Personal auto insurance typically doesn’t cover business use of your vehicle. You need commercial auto insurance to protect vehicles used for business.
What's the difference between collision and comprehensive coverage?
Collision coverage protects against damage from accidents with other vehicles or objects. Comprehensive coverage insures against non-collision incidents like theft, vandalism, or natural disasters.
Do I need commercial auto insurance for a single company car?
Yes, even a single vehicle used for business purposes requires commercial auto insurance. This ensures proper coverage for business-related risks not typically covered by personal policies.
How can I lower my commercial auto insurance premiums?
You can potentially lower premiums by implementing a driver safety program, increasing deductibles, bundling policies, and installing anti-theft devices in vehicles. Regular policy reviews can also help identify cost-saving opportunities.
Does commercial auto insurance cover employees driving their own cars for work?
Standard commercial auto policies don’t cover employees’ personal vehicles. However, hired and non-owned auto insurance can provide this coverage, protecting your business when employees use personal vehicles for work tasks.
What happens if I don't have business auto insurance in Connecticut?
Operating a business vehicle without proper insurance in Connecticut can result in fines, license suspension, and legal liabilities. In case of an accident, your business could face significant financial and legal consequences for bodily injury liability and damages.
Does auto insurance cover items stolen from my work vehicle?
Standard auto insurance may not cover theft of items from vehicles. However, inland marine coverage or a business property floater can be added to protect tools, equipment, or inventory in your vehicles.
Choose your area: Popular Connecticut Communities We Serve Business Owners
Ansonia
Avon
Berlin
Bethel
Bloomfield
Branford
Bridgeport
Bristol
Brookfield
Brooklyn
Burlington
Canton
Cheshire
Clinton
Colchester
Conning Towers Nautilus Park
Coventry
Cromwell
Danbury
Darien
Derby
East Haddam
East Hampton
East Hartford
East Haven
East Lyme
East Windsor
Ellington
Enfield
Fairfield
Farmington
Glastonbury
Granby
Greenwich
Griswold
Groton
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Hamden
Hartford
Hebron
Kensington
Killingly
Ledyard
Madison
Manchester
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Naugatuck
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Plainfield
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Plymouth
Portland
Prospect
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Redding
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South Windsor
Stafford
Stamford
Storrs
Stratford
Suffield
Thompson
Thompsonville
Tolland
Torrington
Trumbull
Vernon
Wallingford
Wallingford Center
Waterbury
Waterford
Watertown
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Weston
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