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Sullivan Insurance Agency
321 West Broadway
Ardmore, OK 73401
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Oklahoma City,
Phone: 580-223-2187
Fax: 580-223-1831
Toll Free: 800-456-9169
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Trusted Choice

Commercial Auto Insurance

Commercial Auto InsuranceGet a Quote

Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations and usage not covered by a personal auto policy.

This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance or fleet insurance. Our agents at Sullivan Insurance Agency will help you find the best coverage for your business.

Why do you need Commercial Auto Insurance?

In general, if an auto is used for tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary.

  • If you are using your auto to transport goods or people for a fee, or if you use your auto to conduct a service, you may need a commercial auto insurance policy.

  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.

  • Hauling a considerable weight or towing a trailer used to conduct your business may require a commercial auto insurance policy.

  • A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership.

What does Commercial Auto Insurance cover?

Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.

However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions and limits. Most commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

What are the coverages?

  • Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – provides you with protection if your car accidently damages another person's property. It also provides you with legal defense.

  • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

  • Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire and other covered perils.

  • Collision coverage – pays for damage to your car when it hits or is hit by another object.

We serve businesses across all of Oklahoma, as well as Texas areas such as Dallas, Ft. Worth, Austin, Houston, San Antonio, Midland and everywhere in between. We also serve businesses in Kansas, Arkansas, Arizona, California, Colorado, Georgia, Illinois, Louisiana, Missouri, Nebraska, North Carolina, Tennessee and Wyoming.

Call us today at 800-456-9169 for a quote or to talk through your business' needs.

Located in Ardmore, OK ; Oklahoma City, OK and , . We also serve the Austin, TX, Dallas/Ft. Worth, TX, Houston, TX, Oklahoma City, Ok and San Antonio, TX areas. - Licensed in Arkansas, Arizona, California, Colorado, Georgia, Illinois, Kansas, Louisiana, Missouri, North Carolina, Nebraska, Oklahoma, Tennessee, Texas and Wyoming