Illinois Commercial Auto Insurance

At The Allen Thomas Group, we understand that the diverse needs of businesses requiring Illinois insurance solutions go far beyond basic liability coverage. 

That’s why we can help you find a comprehensive suite of commercial truck insurance options designed to provide robust protection for your business vehicles and operations.

Collision Coverage is a fundamental component of a well-rounded commercial auto insurance plan. This coverage pays for damage to your vehicle resulting from collision into other vehicles or objects, regardless of who is at fault.

Whether your delivery van sideswipes a parked car in downtown Chicago or your work truck slides off an icy rural road, collision coverage ensures you can quickly repair or replace your vehicle and get back to business.

Comprehensive Coverage protects your vehicles from non-collision incidents, filling crucial gaps in your insurance protection. This coverage addresses risks such as theft, vandalism, fire, or damage from falling objects.

Imagine a severe hailstorm damaging your entire fleet parked outside your Peoria warehouse, or a tree falling on your company car during a windstorm in Springfield. 

Comprehensive coverage provides the financial support to address these unexpected events.

Medical Payments coverage is an invaluable addition to your policy, covering medical expenses for you and your passengers, regardless of who is at fault in an accident. This can include costs for hospital visits, surgeries, X-rays, and even dental procedures resulting from an auto accident. 

In a state where medical costs can quickly escalate, it provides an extra layer of financial protection for you and your employees.

Underinsured/Uninsured Motorist coverage is particularly crucial in Illinois, where a significant number of drivers may be operating without adequate insurance.

It protects you and your business if you’re involved in an accident with an uninsured or underinsured motorist who either has no insurance or insufficient coverage to pay for the damages they’ve caused.

It can cover medical expenses, lost wages, and even pain and suffering, ensuring that your business doesn’t bear the financial burden of another driver’s lack of responsibility.

Hired and Non-Owned Auto coverage is essential for businesses that occasionally rent vehicles or have employees use their personal cars for work-related tasks. It extends liability protection to vehicles your business doesn’t own but uses for work purposes. It’s particularly valuable for companies that don’t maintain a full-time fleet but still have employees who drive for work-related reasons.

We also offer specialized coverages tailored to specific business needs. 

Cargo coverage protects the goods you’re transporting, which is crucial for businesses involved in delivery or transportation services. 

Rental Reimbursement ensures you can quickly get a replacement vehicle if yours is being repaired after an accident, minimizing downtime and lost revenue. 

Roadside Assistance provides peace of mind, offering help with breakdowns, flat tires, or other roadside emergencies that could otherwise derail your business operations.

For businesses with financed or leased vehicles, Gap Insurance is a wise addition to your policy. 

If your vehicle is totaled in an accident, it pays the difference between the actual cash value of the vehicle and the remaining balance on your lease or loan, preventing you from being stuck with payments on a vehicle you can no longer use.

By offering such a wide array of options, The Allen Thomas Group ensures that we can create a truly customized commercial auto liability insurance solution for your Illinois business. 

We don’t believe in one-size-fits-all policies; instead, we work closely with you to understand your specific needs and risks, crafting a comprehensive commercial policy package that provides the right protection at the right price for your vehicles.