Keep Your Business Moving Forward safely
Your business vehicles are critical assets that keep your operations running, whether you are hauling equipment to a job site, delivering goods, or visiting clients. However, personal auto policies strictly exclude coverage for vehicles used for commercial activities, leaving you exposed to severe liability if an accident occurs on the clock. At The Premiere Metro Group, LLC., we offer specialized commercial auto and fleet insurance designed to protect your drivers, your vehicles, and your bottom line.
What's Included in Your Coverage
We tailor your commercial auto policy to match the specific risks of your daily operations, incorporating robust coverages such as:
- Bodily Injury Liability: Covers medical expenses and legal fees if your driver is at fault in an accident causing injury to a third party.
- Property Damage Liability: Pays for repairs to other vehicles, buildings, or structures damaged by your commercial vehicle.
- Comprehensive & Collision: Covers physical damage to your business vehicles from accidents, severe weather, theft, and vandalism.
- Hired & Non-Owned Auto Liability: Provides critical liability protection when employees use their own personal vehicles, or rented vehicles, for business errands.
- Motor Truck Cargo Coverage: Protects the valuable freight, tools, or goods being transported in your vehicles from damage or theft while in transit.
- Uninsured/Underinsured Motorist (UM/UIM): Protects your drivers and your company if one of your vehicles is hit by an uninsured driver.
- Fleet Coverage: Consolidates multiple commercial vehicles under a single, easily managed policy with discounted fleet rates.
Louisiana Commercial Regulations and Vehicle Types
In Louisiana, the minimum liability requirements for commercial vehicles often exceed those of standard personal auto policies, particularly for heavy trucks and passenger transports. Relying on state minimums for a business vehicle is risky; a single severe accident involving a company truck can result in multi-million dollar lawsuits that can bankrupt a business. We strongly recommend higher liability limits or combining your policy with a commercial umbrella policy to adequately shield your company's assets.
We insure a wide spectrum of commercial vehicles operating across Louisiana, including contractor pickup trucks, cargo vans, box trucks, flatbeds, utility trailers, and company passenger car fleets. Whether you are an independent contractor with a single work truck or a logistics company managing a dozen delivery vans, we match you with top-rated commercial carriers like Progressive and National General to find the most competitive rates.
A comprehensive commercial auto policy is just one piece of the puzzle. For non-business vehicles, see our personal car insurance options, and ensure your entire operation is protected by reviewing your overarching business insurance strategy with our agents.
Frequently Asked Questions
You need a commercial policy if the vehicle is owned by a corporation or partnership, used to transport goods or tools for a fee, driven by employees, or outfitted with heavy commercial equipment (like ladder racks or toolboxes).
HNOA provides liability coverage for vehicles your business uses but doesn't own. This is essential if your employees drive their personal cars to run business errands, make bank deposits, or visit clients on your behalf.
A standard commercial auto policy only covers the vehicle itself. To cover the tools, equipment, or materials kept inside the truck or permanently attached, you will typically need an Inland Marine endorsement or specific tools coverage added to your business policy.