1. What is commercial auto insurance, and do I need it?

Commercial auto insurance protects vehicles used for business purposes, covering accidents, property damage, liability, and more. If you use cars, vans, or trucks for deliveries, client visits, or other business activities, you likely need it. Personal auto policies typically don’t cover business use, so speak with a Liberty Choice Insurance agent in Las Vegas to confirm your needs.

2. How is commercial auto insurance different from personal auto insurance?

Unlike personal auto insurance, commercial auto insurance is designed for business vehicles and covers higher risks, such as employee drivers, cargo, or frequent business travel. It often includes higher liability limits and specialized coverages like hired and non-owned auto. Liberty Choice Insurance customizes policies to fit your business, ensuring cost-effective protection.

3. What types of businesses need commercial auto insurance?

Any business using vehicles for work may need coverage, including:

• Delivery services (food, packages, etc.)
• Contractors (plumbers, electricians, etc.)
• Landscaping or construction companies
• Rideshare or taxi services

Unsure if your Las Vegas small business qualifies? Contact Liberty Choice Insurance for a free consultation.

4. What does commercial auto insurance cover?

Coverage varies but typically includes:

• Liability: Covers damages or injuries you cause to others.
• Collision: Pays for damage to your vehicle in an accident.
• Comprehensive: Covers non-collision incidents like theft or vandalism.
• Medical Payments: Covers medical expenses for you or your drivers.
• Uninsured/Underinsured Motorist: Protects against drivers with inadequate insurance.

Liberty Choice Insurance tailors policies to include the coverages your business needs at the best rates.

5. How much does commercial auto insurance cost?

Costs depend on factors like:

• Number and type of vehicles
• Driving records of employees
• Coverage limits and deductibles
• Business location (e.g., Las Vegas)

At Liberty Choice Insurance, our agents compare options to find the most affordable commercial auto insurance for your budget. Get a free quote today!

6. How quickly can I get a certificate of insurance?

With Liberty Choice Insurance, you get certificates of insurance fast and easily—often within hours. These prove your coverage for contracts, clients, or compliance, saving you time. Our Las Vegas team ensures a hassle-free process.

7. Can I cover personal vehicles used for business?

Yes, if you use personal vehicles for business (e.g., deliveries or client meetings), you may need commercial coverage or an endorsement. Liberty Choice Insurance helps Las Vegas small business owners determine if their personal vehicles require additional protection.

8. How do I know what coverage limits I need?

Coverage limits depend on your business size, vehicle use, and risk exposure. For example, a delivery service may need higher liability than a consultant. Our experienced Liberty Choice Insurance agents in Las Vegas assess your risks and recommend appropriate limits to protect your business without overpaying.

9. Why choose Liberty Choice Insurance for commercial auto insurance?

• Local Expertise: Our Las Vegas agents understand Nevada’s insurance requirements.
• Affordable Rates: We shop multiple carriers to find you the best deal.
• Fast Certificates: Get certificates of insurance quickly to meet deadlines.
• Personalized Service: We simplify the process, answering all your questions.

Trust Liberty Choice Insurance to protect your business on the road.

10. How do I get started with commercial auto insurance?

Getting coverage is easy with Liberty Choice Insurance:

1. Contact our Las Vegas team for a free consultation.
2. Discuss your business needs and vehicle usage.
3. Receive a customized, affordable quote.
4. Get your policy and certificates of insurance fast.

Ready to protect your business? Get your free commercial auto insurance quote from Liberty Choice Insurance today!