Commercial Auto Insurance in Ruston, LA

Whether you operate a single work truck or manage a fleet of delivery vans, commercial auto insurance is a crucial financial safeguard for your business. Personal auto policies typically do not cover vehicles used for business purposes, which may leave your company exposed to significant financial risks in the event of a loss.

What Does a Policy Cover?

A standard policy may include the following:

• Liability coverage can cover third-party bodily injuries and property damage that you or an employee is held responsible for.

• Collision coverage can help pay for the repair of a company vehicle involved in an accident, regardless of fault.

• Comprehensive coverage can cover damage caused by non-collision events like falling objects, fire, natural disasters, theft or vandalism.

• Uninsured/underinsured motorist coverage can cover your losses if an at-fault driver with insufficient insurance hits your vehicle.

• Hired and non-owned auto coverage can extend financial protection to vehicles that your business rents or employees’ personal vehicles used for work.

Who Needs Commercial Auto Insurance?

Commercial auto insurance is typically mandated for businesses that use vehicles in their daily operations, such as delivery firms, food trucks, retailers and service providers. Louisiana law requires most businesses to carry certain amounts of liability coverage for their vehicles, and lenders may impose additional requirements if you’ve taken out auto loans.

How Bromell Agency Supports Local Businesses

We take pride in providing businesses in Ruston, LA with personalized service and local expertise. We can help you assess your risks, compare coverage options, and find policies that fit your budget and operational needs. We’re here to answer your questions and provide ongoing support as your business grows.

Contact Bromell Agency today to request a personalized quote.