Commercial Auto Insurance in Las Vegas, NV
Commercial auto insurance is a policy designed for business vehicles. It may cover company cars, trucks or vans if accidents occur while performing work-related tasks.
Why Is Commercial Auto Insurance Important?
This type of policy is crucial because personal auto insurance won’t typically cover incidents that occur while using a vehicle for work. That coverage gap can lead to costly repairs, legal fees or medical bills, all of which can disrupt your operations and drain resources.
Nevada companies that use vehicles for business purposes must maintain minimum amounts of liability coverage.
What Does My Policy Cover? 
Commercial auto policies vary in eligibility, coverage details, exclusions and limits. However, most include the following types of coverage:
- Liability coverage may pay others’ medical bills and repair costs if you or an employee is at fault in an accident. This may also pay your legal defense fees if the incident results in a lawsuit.
- Collision coverage may reimburse your vehicle’s repair costs after a crash.
- Comprehensive coverage may cover losses from non-collision events like theft, vandalism or severe weather damage.
- Medical payments coverage may help pay for medical expenses after an accident.
- Uninsured/underinsured motorist coverage may prevent financial loss if your vehicle is involved in an accident caused by an inadequately insured driver.
Depending on your provider, you might also have access to rental reimbursement, towing services or coverage for employees using their own vehicles for work.
What Isn’t Covered by Commercial Auto Insurance?
While it covers many scenarios, there are limits. Most commercial auto policies won’t pay for:
- Personal use of a business vehicle
- Intentional damage
- Items inside the vehicle (like tools or inventory)
- Mechanical breakdowns not caused by an accident
- Accidents outside the policy’s geographic limits
Learn More
Affordable Insurance offers commercial auto insurance policies designed to meet operational demands. Our agents can explain your options and help you get appropriate coverage. Contact us today for a quote.