Fleet Coverage
Protecting your business starts with safeguarding your fleet. Commercial Auto Insurance is vital for any enterprise that relies on vehicles to operate efficiently. It provides the comprehensive protection your business needs—from covering property damage and liability to ensuring legal compliance and managing unforeseen risks. At Sheppard Benefits Group, we offer tailored coverage options designed to shield your assets, support your operations, and give you peace of mind as you navigate the road ahead.
Key Benefits
Comprehensive Coverage
Protects against accidents, theft, and damage.
customizable policies
Tailored to meet the specific needs of your business fleet.
Expert Guidance
Access to industry-leading agents who understand your business challenges.
Competitive Rates
High-value protection without breaking your budget.
Coverage Options
detailed coverage breakdown
Sheppard Benefits Group, PC
Protect your Business from the Unexpected.
Commercial Insurance FAQ’s.
Get the answers you need about insurance coverage, quotes, and services—all in one place.
Navigating insurance can be complex, but we’re here to simplify it for you. Below are answers to some of the most common questions about our services, coverage options, and how we can help protect what matters most to you. If you don’t find what you’re looking for, feel free to reach out—we’re happy to assist!
Personal auto insurance is designed for vehicles used primarily for private, non-business purposes. In contrast, commercial auto insurance is tailored for vehicles that are used in the course of business activities, providing broader protection for the higher risks associated with commercial use. As a result, personal policies may not cover business-related activities, making commercial auto insurance essential for business fleets.
Commercial auto insurance protects vehicles used in business operations by covering physical damage (through collision and comprehensive coverage), liability for bodily injury and property damage to third parties, and often offers additional protections like uninsured/underinsured motorist coverage. Specific policies may also include benefits such as roadside assistance or rental reimbursement.
Premiums are calculated based on several factors including the number and type of vehicles, the driving records of those operating them, the extent of coverage chosen (limits and deductibles), vehicle usage, and the overall risk profile of your business. Insurers may also consider your industry’s risk factors and claims history when determining rates.
Most commercial auto policies include provisions for covering rented or leased vehicles. That said, the level of coverage can vary. You should review your policy documents or consult with your insurance provider to ensure that any rented or leased vehicles used in your business are adequately protected.
Yes. Strategies to reduce your premium may include maintaining a strong driving record, selecting higher deductibles, bundling insurance policies, and implementing robust driver safety programs. Regularly reviewing your coverage to match your actual business needs can also help eliminate unnecessary costs. Your insurance agent can offer personalized advice on lowering your premium.
Typically, commercial auto insurance is intended for vehicles owned or leased by the business. However, if employees use their personal vehicles for work purposes, coverage depends on both the personal policy and any additional non-owned vehicle coverage that may be added to the commercial policy. It’s important to review your policy details and discuss your specific needs with your agent.
need consultation? let’s talk. need consultation? let’s talk. need consultation? let’s talk.need consultation? let’s talk. need consultation? let’s talk. need consultation? let’s talk.
Get the Right Coverage for Your Family Today.
Not sure which insurance policy is right for your business? We understand that every business has unique risks and challenges. Our experts are here to help you navigate your options and tailor a plan that fits your needs. Schedule a free consultation, and let’s find the right coverage together.
Insurance Partners
