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Belly Dump TrucksThough state limits vary, any business in any state that owns and operates vehicles for business purposes is required to maintain commercial auto insurance. This coverage is designed to protect not only the business' property and bank account, but also other drivers who share the road with your vehicles.

Who needs commercial auto insurance? Commercial drivers who own their own big rigs or tow trucks, along with businesses that employ CDL holders need this coverage. This can range from catering vans to shuttle services, and everything in between. If a car, truck or van is used for any business purpose (other than commuting), it needs to be properly insured with a commercial policy.

Why is commercial auto insurance mandated by law? Accidents are dangerous in general, but even more so when one involves a large truck or a pickup pulling a trailer full of landscaping equipment. The damage could be considerable to both parties and commercial drivers and businesses are responsible for the damage they cause to other vehicles, which may include property damage, bodily injury and pain and suffering. To ensure you can pay these expenses, commercial auto liability insurance is mandatory, while a host of additional coverage options are recommended to protect your property.

What is required? Federal CDL requirements apply to all commercial drivers across the country. They govern minimum age limits, written and skills testing, driver licensing, physical fitness, traffic violation and hazardous materials transportation. Each state then has its own additional requirements, such as minimum amounts of liability coverage that must be carried.

Our agents are extensively trained in order to help you find a commercial auto policy that meets both federal and state requirements, along with the needs of your business.

Protect your fleet. Call First Insurance Group at (800) 511-2892 for more information on Nicholasville business insurance.
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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
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