Make A Payment
800-444-8675 ☰ ˟
Logo
800-444-8675
  • Home
  • Get A Quote
    • Business Insurance
    • Car Wash Insurance
    • Employee Benefits
    • Personal Insurance
  • Client Portal
  • Resources
    • Insurance Glossary
    • Blog
    • Important Links
    • Refer a Friend
  • About Us
    • About The Insurancenter
    • Community Involvement
    • Our Location
    • Privacy Policy
  • Contact Us
Personal Insurance Icon

Personal Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
Employee Benefits Icon

Employee Benefits

We browse through a wide variety of coverages and find the right one for you.

Learn More
Car Wash Insurance Programs Icon

Car Wash Insurance 

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Commercial Auto Insurance | The Insurancenter - Missouri

Commercial Auto Insurance


Commercial Auto Insurance Information

Commercial Auto Insurance in Joplin, MO


As a full-service, independent insurance agency, The Insurancenter strives to offer only the best in personalized insurance services to all Missouri residents. If you’re a resident of Joplin or the surrounding region, then we’re here to make your search for quality benefits simple, efficient and affordable.  

All commercial vehicle owners in Missouri require commercial auto insurance. It’s critical assistance that will help you protect company vehicles, employee drivers and cargo in transit against any roadway hazards or unexpected vehicle accidents. Don’t try to get behind the wheel without it.  

Call us at 417-623-7500 or request your free commercial auto insurance quote now!  


Common Commercial Auto Insurance Questions  



Why do I need commercial auto insurance?  

When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be one of the parties to suffer should something happen to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance throughout the recovery process, and as a result your company won’t face financial setbacks just because an accident occurred.  

Who needs commercial auto insurance?  

Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specializes coverage terms that are designed to protect the company’s investment in the vehicles.  

Various vehicles and drivers might need to be covered a commercial auto policy. These include:  

  • Vehicles owned by a business

  • Employees who drive their personal cars on business-related errands

  • Company cars provided to employees for commercial and private use

  • Vehicles hired or rented by the business

  • Certain personal vehicles that qualify as commercial due to their weights or sizes


What does commercial auto insurance cover?  

The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:  

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.

  • Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.

  • Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Additionally, other policies and endorsements might help you expand your benefits, such as:  

  • Inland Marine Insurance

  • Roadside Assistance

  • Rental Car Reimbursement

  • Custom Parts Coverage

  • Replacement Cost Vehicle Coverage

  • Gap Insurance


Is commercial auto insurance required?  


Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you.  

You must carry coverage that meets all standards set by Missouri's mandatory insurance laws.

Regardless of any coverage requirements, the benefits you will receive by investing in higher levels of coverage (even when it is optional) will ensure you have a high degree of protection available in the event of any particularly challenging vehicle mishap.  

How much does commercial auto insurance cost?  


Numerous factors can influence the costs of commercial auto insurance, including the types and amounts of coverage you buy, the location of your business and the value of the vehicles to be insured.  

Our agents are committed to working with you to optimize benefits in ways that will still keep them affordable, even as you build upon your coverage to ensure you receive the highest level of protection.

Additional Resources:
Can an Employees Vehicle be a Commercial Vehicle?

Contact Us Today!
417-623-7500

Social Social Social

Resources

  • Get a Quote
  • Client Portal
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us
  • Car Wash Insurance Program

Contact Us

2901 Arizona Avenue
Joplin, MO 64804

Ph: 417-623-7500 | Fx: 417-623-0902 | info@theinsurancenter.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder