Who Needs Business Auto Insurance?
Tailored commercial vehicle coverage designed for businesses that rely on company cars, service vans, delivery vehicles, contractor trucks, and fleet operations.
Fleet Owners & Leasers
Businesses that own, lease, or manage commercial vans, service trucks, box trucks, or multi-vehicle fleets.
- ✓Commercial vans, pickups & box trucks
- ✓Multi-vehicle fleet protection options
- ✓Higher business liability limits
Delivery & Logistics
Companies making deliveries, transporting goods, or operating scheduled local courier and service routes.
- ✓Courier, catering & local delivery risks
- ✓On-board goods and cargo-related exposure
- ✓Coverage for high-mileage operations
Contractors & Field Services
Trades and field crews driving to job sites with tools, supplies, ladders, trailers, and specialized equipment.
- ✓Plumbing, HVAC, electrical & service trades
- ✓Tool, supply and equipment transport
- ✓Job-site mobility and operational vehicle use
Sales & Client Travel
Professionals using company or personal vehicles for client visits, meetings, property showings, and daily business travel.
- ✓Client visits and off-site appointments
- ✓Hired & non-owned auto exposures
- ✓Protection for employee business driving
What Does Business Auto Insurance Cover?
Why Businesses Need Higher Liability Limits
Unlike personal auto policies, business auto policies are built to protect full corporate assets. Higher liability limits ensure that a single highway accident or severe lawsuit doesn’t compromise your company’s bottom line.
- ✓ What It Does: Extends liability protection to cover catastrophic bodily injuries, severe property damage, and legal defense fees.
- ✓ Why You Need It: Standard limits are easily exhausted in major collisions, exposing business bank accounts to court judgments.
- ✓ How to Add It: Increased directly on your primary Business Auto Policy or extended through a Commercial Umbrella Policy.
Do Your Employees Drive Personal Vehicles?
If employees use personal cars for errands, sales calls, or site visits, personal auto insurance may deny business claims. Non-Owned Auto insurance ensures your business is shielded from vicarious liability.
- ✓ What It Does: Protects your company when employees cause accidents while driving personal or rented vehicles for business tasks.
- ✓ Why You Need It: Personal auto policies frequently exclude business use accidents, leaving your business vulnerable to lawsuits.
- ✓ How to Add It: Added as an inexpensive endorsement to your primary Commercial Auto or General Liability policy.
STEP 1
Explore Fleet.
STEP 2
Click Hotspots.
STEP 3
Protect Assets.
Why Partner With Geebu Insurance Agency
As an independent insurance agency, Geebu compares top-rated commercial auto carriers across New York, New Jersey, and Connecticut to help businesses secure essential fleet protection while managing premium overhead.
Protect Your Business Fleet & Drivers Today
Your company vehicles keep your operations moving. Get the complete coverage you need to protect your drivers, cargo, and physical assets on the road.