Commercial Auto Insurance

Merchants Insurance Group offers comprehensive insurance for business vehicles including cars, trucks and trailers.  In addition to traditional coverage for liability and physical damage, Merchants also offers additional optional coverages with increased limits.

Merchants’ Commercial Auto Insurance has available coverages such as:

Bodily Injury Liability Coverage

This coverage will pay the cost of hospital and medical bills, lost earnings, pain and suffering and other damages that you may be legally obligated to pay for if you are at fault for an accident.

Property Damage Liability Coverage

This will pay the cost of damage you cause to the other vehicle and their property if you are at fault for an accident.

Physical Damage Coverage (Comprehensive & Collision)

Covers the cost to repair or replace your vehicle in the event that it is damaged or stolen.

Medical Payments

Pays for medical and related injury expenses that you or your passengers receive from an auto accident.

Uninsured/Underinsured Motorist Coverage

Protects your company against auto accidents caused by drivers that do not have auto liability insurance or who have inadequate limits of insurance relative to your own limits.

Hired Auto and Non-Owned

Provides your business with liability coverage for accidents involving vehicles that your business uses for work purposes but doesn’t own. This includes vehicles that your business rents, as well as your employees’ personal vehicles that are also used for your business.

Attachable Specialized Equipment Coverage

Provides coverage for specialized equipment such as plows, salters and equipment racks that are unable to be used due to the total loss of a covered vehicle.

Airbag Coverage

Provides coverage for accidental discharge of an airbag.

Electronic Equipment Coverage

Provides coverage for loss to permanently installed audio, visual or data equipment.

Money saving discounts are available for:

  • Multiple policies with Merchants Insurance Group
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