In order to legally drive your business vehicles in Massachusetts, the state law requires all businesses to obtain commercial auto insurance. The aim of this regulation is to ensure that all parties involved in a collision or crash are protected. But most importantly, it is a form of protection for your business, especially if your vehicle is at fault during a crash or collision. Without insurance, you could lose your business’ hard-earned money due to liability charges.
Commercial auto insurance in Massachusetts is different from personal auto insurance policy. Even if you already have one, you need to purchase a separate policy for vehicles used for business purposes. You need to make sure that you have the correct coverage level so the risk does not affect your business.
When you obtain commercial auto insurance, you can get various coverage options such as protection against bodily injury or property damage liability. You can also opt for a comprehensive coverage that protects your vehicles from damages outside of crashes, such as vandalism or natural forces. If possible, look for an insurance policy that can be customized to suit your unique needs and challenges posed towards your business.
There are a variety of vehicle types that can be covered by commercial auto insurance in Massachusetts including semi trucks, tow trucks, dump trucks, tractors, utility trucks, vans, food trucks, taxis, limos, and more.
The state of Massachusetts has imposed minimum liability coverage limits for commercial auto insurance. This is to ensure that you get adequate protection that is commensurate to the risks involved with driving your business vehicles.
The minimum liability limit for bodily injury is $20,000 per person (or $40,000 per accident). In terms of property damage, the minimum liability coverage is $5,000 per incident.
For othere states, make sure to check the requirements by state.
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(781) 762-0042
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