Iowa Commercial Auto Insurance

Even if your commercial vehicles are not the primary way your business makes money, its always smart to properly insure the vehicles you depend on as a business owner. 

Commercial  auto insurance is different than personal vehicle insurance. In many cases, not only are there multiple vehicles to cover, but also the liability from accidents or claims that will extend to your business as a whole.

At Knapp Tedesco Insurance, we can insure a variety of types of commercial vehicles used in business: passenger cars, vans, pickups, flatbeds, box trucks, refrigerator and utility trucks. We can also insure commercial vehicles for a large variety of industries such as contractors, construction, farming, retail, sales professionals and business professionals.

Making sure the coverage for your commercial auto insurance is comprehensive is one the the easiest ways to protect your business. Don't hesitate, call today

Worried about costs?

Don’t be. Commercial auto insurance is remarkably inexpensive.

What should my business auto policy cover?

Commercial auto insurance coverage may include:

  • Comprehensive and Collision – covers damage to your vehicle.
  • Emergency Roadside Assistance – towing and labor when your vehicle breaks down.
  • Liability – covers injuries in the other vehicle(s) if you are responsible for them.
  • Medical Payments – covers medical expenses for you and your passengers in your vehicle.
  • Loss of Earnings – covers others lost earnings if they’re unable to work due injuries sustained in a motor vehicle accident.
  • Uninsured Motor Vehicle – for injuries in your vehicle which were caused by an at-fault driver without insurance or without enough insurance to cover all injuries.

Our agents will work with you to customize a business auto policy that fits your company’s needs. We do not use a cookie-cutter plan or policy; we design a business auto policy that is right for your business. We offer business owners peace-of-mind at a price they can afford.

Knowing what is covered is just as important to knowing what is not covered. In Iowa, Commercial Vehicle Insurance is different than personal Car Insurance. Liability from accidents extends to your business and you need to make certain the vehicles owned by the business are insured properly. In addition, personal vehicles owned by your employees and used in the normal course of business need excess coverage to protect you and your business.

Why do I need such comprehensive coverage?

When your employees use a company vehicle for business purposes, their personal auto policy coverage no longer applies in the event of an accident, property damage, or fatality caused by one of your employees.

Service On Both Sides Of A Claim

At our firm, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.

Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.

Preventing auto accidents from occurring or recurring is crucial to your business. We give you access to top-notch loss control experts that can work with you and your employees on safety programs and offer safety materials to help educate and keep safety top-of-mind. Mitigating future losses is a key component to prevent accidents and subsequent auto claims. However, when a claim occurs, rest assured we will give you the best service possible. Our Commercial Auto Insurance carrier partners are some of the best in the business at claims handling.

A cautionary tale

As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.

This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.

It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals? 

It wasn't long before she was making deliveries, when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.

The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.

Stuck with a huge hospital bill and letter of lawsuit from the biker’s attorney, she was forced to shut down her business.

Answer this one question:

Can you afford to expose your income, your personal property, and your employees to this high-level of risk? If the answer is “no,” then we can help.

Knapp Tedesco Insurance – Your Trusted Advisor

We insure a number of businesses throughout Iowa that own commercial autos and other fleet vehicles. We have been protecting businesses and insuring commercial autos since 1926. Let us take a look at your Commercial Vehicle Insurance and make sure you, your employees and your business are protected. Complete the Quote Form on this page or give us a call and one of our agents will be in touch with you to review your protection