Michigan Commercial Auto Insurance

Commercial Vehicle Coverage For You & Your Fleet

Commercial Liability Insurance

If you’re found to be at fault in an accident, liability coverage will help you pay for damage to another person’s property (this is called property damage liability) or for costs associated with their injuries (the coverage known as bodily injury liability) that you are responsible for.

Example: When your company vehicle is involved in an accident and your driver is at fault, the insurance will cover any costs to the damaged property, in the instance that your employee has hit a building, fence, etc. It would also cover any lawsuit that may incur from the pain and suffering or permanent scarring of passengers in the other vehicle that was stuck. (Medical expenses and lost wages are covered by the required personal injury protection).

Physical Damage Coverages

These cover collision, repair or replacement, and theft of any company vehicle when driven during company hours and for company purposes.

Example: When a company vehicle has been left out in the street and a group of teenagers spray-paints the side of the vehicle. The insurance will cover the costs to repair the part of the vehicle that was vandalized.

Hired Auto Liability

This is a provision of excess liability coverage for a non-owned, rented, leased, hired, or borrowed vehicle for incidental use of the business.

Example: While renting another commercial vehicle for a special job. It becomes involved in an accident in which damage has been done to another vehicle. This type of liability insurance applies because the accident occurred while the vehicle was in use for work purposes.

Employer’s Non-Ownership Liability

Provides excess liability coverage for the employer and the company in the event of an employee using their own (unlisted) vehicle incidentally in the course of the business.

Example: You ask an employee to get supplies while they are on-site and the only vehicle that is available is the employee’s personal vehicle. If the employee was to be involved in an accident during this time, the personal policy of the employee can refuse to cover them because it was a business errand. This type of liability will cover the damage to the other person’s vehicle and/or any injury they may have sustained.

Personal Injury Protection (PIP) Insurance

This is required by the state of Michigan. It covers any personal medical expenses or injuries incurred by your passengers regardless of fault.

For the state of Michigan, the benefits that are covered include:

Medical Expenses
Medical Mileage
Wage Loss

Household Replacement Services
Attendant care/Nursing Services

Single Deductible Endorsement

This is an automatic addition to a policy when you are in an accident that involves multiple deductibles. You will have to pay the highest deductible.

Example: If your company fleet vehicle is involved in a roller over, and both the trailer and the cabin are damaged (luckily no other cars were involved). The deductible to the cabin is less expensive than the trailer, the deductible for the trailer will be covered, but the cost for the cabin will have to be paid out-of-pocket.

Towing And Labor Insurance

Provides roadside assistance to a company vehicle if it was to become disabled while on the road.

Example: If your company vehicle breaks down on the side of the road. This type of coverage will pay for the tow and any of the services needed to get the vehicle up and running again.

Additional Commercial Auto Options Can Include

On-Hook Towing Liability

This will repair or replace a vehicle, not owned by the company, and is damaged by a collision, fire, theft, explosion, or vandalized when your company is towing or hauling.

These apply to certain types of vehicles like mobile homes, other owned vehicles (business or personal), any antique cars, race cars, or boats (personal use).

Med-Pay

This helps pay for injury-related costs if an employee or you are operating one of the company vehicles and become hurt. This is different from Liability Insurance.

These are costs from an ambulance, hospital, or funeral.

Rental Reimbursement

While your truck is being fixed, you are eligible to rent a truck to keep your business serviceable and not lose income. When selecting this coverage your insurance company will pay per day for up to 30 days.

Certain restriction apply. The following are considered eligible:

Owner Operator
Scrap Metal, Sand, and Gravel
Debris Removal

Logging
Other For-Hire Trucking Operations

Property Damage

The coverage of any physical damage that occurred to other vehicles or property by a company driver. These DO NOT cover bodily injuries.

These are things like fences, utility poles, flagpoles, mailboxes, houses, garages, and pets.

Motor Truck General Liability Insurance

Covers injuries or property damages that are incurred as a result of business activities, but are not directly associated with operating a truck.

This may be needed in the following situations:

Customer slips or falls on premises
Erroneous delivery of products that result in damage

Actions of a drive while representing the insured and are another’s premises
Libel & Slander Exposures

Motor Truck Cargo Insurance

This is coverage on any freight or commodity that is hauled by a for-hire motorist.

If a load was accidentally damaged while in an accident, the insurance will cover the cost to remove any debris or any costs that are related to preventing further loss to any damaged cargo.

Garage Keepers Legal Liability Insurance

Protection of a customer’s vehicle while your company has kept it in a covered location for parking, storing, or for the performance of service.

An extension of garage keepers Insurance is a direct endorsement. The direct endorsement covers all the damages that could occur while a customer’s car is in your garage regardless of fault. This endorsement also pays the claim without having to go through the insurance company’s claim process.

Example: A tow was called out late at night for an accident. Since it is late at night the mechanic’s shop is close, so you choose to keep the care in your garage until the mechanic opens in the morning. While overnight the customer’s car is vandalized. The garage keepers Insurance will pay to repair the damages that were caused to the car.
If the garage keeper had direct endorsement coverage, the garage owner could file the claim with their insurance company and the company would then pay the customer. This would elevate the customer having to file a claim with their insurance and having to wait for the insurance companies.

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Commercial Auto Insurance Can Cover

Company Cars
Limousines
Trailers
Tractors

Uber & Lyft Drivers
Tow Trucks
Commercial Freight Trucks
Repair Vans

Yacht Tours
Snow Plow Operators
And More

Save Time & Money In The Matter Of Minutes

Compass understands how complicated commercial auto insurance may seem. Your local auto insurance agent takes the guesswork out of covering your fleet, cars, vans, trucks, and more with the right protection you’ll need.

We know you’re busy taking care of your business. By teaming up with one of our no-nonsense commercial auto insurance specialists, you will be provided a personal business profile that simply illustrates which commercial auto insurance options will work best for your business today and in the future. Freeing up your time, so you can get back to what you do best, keeping your business growing.