What Commercial Auto Insurance Covers
Your commercial auto insurance provides coverage for accidents and incidents as outlined on your policy declarations page. Depending on your company’s risks and exposures, your agent may recommend the following coverages:
How Much Commercial Auto Insurance Do I Need?
Kentucky requires that businesses have commercial auto insurance, but your company may need more coverage than minimum liability insurance.
Required minimum protection
Your company’s commercial auto insurance policy must meet Kentucky’s minimum liability coverage threshold. You must purchase personal injury protection (PIP) coverage or sign a waiver.
Leased vehicles
If your business leases or finances vehicles, your lienholder requires full coverage insurance that may include collision, comprehensive, and gap coverage.
Personal vehicles
Companies that lease vehicles or have employees using personal vehicles for business purposes must carry hired and non-owned vehicle (HNOA) coverage to help pay commercial auto liability damages after an accident.
Personal vehicles
Companies that lease vehicles or have employees using personal vehicles for business purposes must carry hired and non-owned vehicle (HNOA) coverage to help pay commercial auto liability damages after an accident.
Additional Coverage
Depending on your company’s situation, your agent may recommend that you purchase more than the minimum liability insurance required in Kentucky. You may also consider purchasing an umbrella policy to help cover claims exceeding your other policies’ liability limits.
How to Get Commercial Auto Insurance
Why Choose Owens?
We know Kentucky
Proudly serving Kentucky since 1985, we understand the unique risks that face you or your business.
One-on-one customer service
Your personal agent will work with you every step of the way to keep you or your business protected.
Access to the best carriers
Get access to the best coverage and rates from the nation's top carriers.
FEATURING SOME OF THE FINEST CARRIERS
