Commercial Automobile Insurance

Commercial Trucking Insurance

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles. Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

National Indemnity Company’s breadth of underwriting experience means we don’t have to restrict ourselves to one aspect of the commercial auto insurance market. Instead, National Indemnity Company insures a wide range of vehicles for a wide range of businesses — even those with unique coverage needs.

To protect your company from the unexpected, turn to the company with an A++ rating by A.M. Best* and more than half a century of experience insuring commercial vehicles.

Business Auto Insurance

We know business auto insurance, and we look forward to putting our decades of experience to work for you—experience that has made us a source of strength and stability in the insurance industry since 1940.

Business Auto Categories Include:

Children’s Transportation
Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
Company or Executive Vehicles
Examples: Salespersons’ vehicles, visiting nurses’ autos, owners’ personal vehicles
Construction Vehicles
Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
Contractors Vehicles
Examples: Vehicles used by plumbers, roofers, electricians, landscapers, locksmiths, painters
Courtesy Transportation Vehicles
Examples: Courtesy vehicles for car dealers, repair shops, hotels and restaurants
Delivery Vehicles
Examples: Delivery vehicles for flowers, couriers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
Drive-away Contractor Vehicles
Examples: Registration plates, transporter tags, named operators
Driver Training Vehicles
Examples: Sedans, trucks, tractor/trailers
Farmer Vehicles
Examples: Pickup trucks, grain trucks, livestock trucks, dump trucks
Funeral Homes Vehicles
Examples: Escort vehicles, limousines, hearses, flower cars
Mobile Concession Vehicles
Examples: Taco trucks, vehicles used by caterers and hot dog vendors
Religious Organization Vehicles
Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
Rental Operation Vehicles
Examples: Commercial vehicles, sedans, SUVs, minivans
Security Vehicles
Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security and prisoner transport

Coverages:

Here are some common coverages to consider:

Liability
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
Physical Damage
Physical damage coverage pays for damage to your vehicle.
Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available:We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER:Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

Passenger Transport

You supply the ride; we’ll provide the peace of mind. It is one of our many specialties–insuring vehicles that transport the most precious cargo.

Passenger Transport Categories Include:

Charter Buses
Examples: Sightseeing and tour buses, entertainer buses, wilderness expedition vehicles, ski buses, casino buses
Children’s Transportation
Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
Courtesy Transportation
Examples: Courtesy transportation for car dealers, repair shops, hotels, restaurants
Employee Transportation
Examples: Vehicles used to transport railroad workers, farm laborers, and other employees to and from the job-site
Funeral Home Vehicles
Examples: Limousines, escort vehicles, hearses, flower cars
Limousine and Sedan Services
Examples: Stretched and super-stretched limousines, stretched SUVs, executive transport autos, airport transportation vehicles
Mass Transit
Examples: Urban buses, trams, trolleys, shuttle services, airport shuttles
Medical Transportation
Examples: Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles
Religious Organization Vehicles
Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
Social Service Vehicles
Examples: Head Start Program autos, group home vans/shuttles, YMCA buses, scout buses, senior citizen center vehicles
Taxis

Coverage:

Here are some common coverage to consider:

Liability
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
Physical Damage
Physical damage coverage pays for damage to your vehicle.
Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available:We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

Commercial Trucks and Truckers

You count on your vehicles to drive your business; count on us to protect your investment. We offer the insurance products you need.

Commercial Trucks and Truckers Categories Include:

Construction Vehicles
Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
Delivery Vehicles
Examples: Delivery vehicles for flowers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
Drive-away Contractor Vehicles
Examples: Registration plates, transporter tags, named operators
Driver Training Vehicles
Examples: Sedans, trucks, tractor/trailers
Dump Trucks
Examples: Dump trucks used by contractors and aggregate haulers
Hazardous Commodity Haulers
Examples: Trucks hauling fuel oil, propane, gasoline and other chemicals (some exclusions exist)
Non-trucking Liability
Examples: Bobtail/deadhead contingent liability
Tankers
Examples: Water trucks, fuel trucks, trucks hauling liquid asphalt and other chemicals (some exclusions exist)
Tow Trucks
Examples: Wreckers and rollbacks for repair shops, car dealerships, police rotation, repossessors, salvage yards
Truckers
Examples: Car carriers, mobile home toters, other long haul trucks hauling goods for hire

Coverages:

Here are some common coverages to consider:

Liability
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
Physical Damage
Physical damage coverage pays for damage to your vehicle.
Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.
Cargo
Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods
In-Tow
In-tow coverage pays for damage to a customer’s auto that is towed or carried by your truck.

Limits Available:We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

Specialty Operations Insurance

You have your niche; we have ours. National Indemnity Company offers vehicle coverage for a broad range of specialty operations. Our scope may surprise you—so will our level of dedicated service.

Specialty Operations Categories Include:

Drive-away Contractor Vehicles
Examples: Registration plates, transporter tags, named operators
Driver Training Vehicles
Examples: Sedans, trucks, tractor/trailer
Funeral Home Vehicles
Examples: Escort vehicles, limousines, hearses, flower cars
Medical Transportation
Examples: Ambulances, rescue squads, non-emergency medical transportation, medical provider courtesy vehicles
Mobile Concessions Vehicles
Examples: Caterers, hot dog vendors, taco trucks
Mobile Operations Vehicles
Examples: Bookmobiles, bloodmobiles, mobile offices, mobile medical testing
Municipality-owned Vehicles
Examples: Ambulances, law enforcement vehicles, fire trucks, water trucks, hazardous material responders, street sweepers
Non-trucking Liability
Examples: Bobtail/deadhead contingent liability
Rental Operations Vehicles
Examples: Commercial vehicles, sedans, SUVs, minivans
Security Vehicles
Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security, prisoner transport

Coverage:

Here are some common coverages to consider:

Liability
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
Physical Damage
Physical damage coverage pays for damage to your vehicle.
Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available:We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings:Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

Motor Truck Cargo Insurance

Our cargo coverage provides protection whether you are transporting your own commodities or hauling freight for someone else. For your convenience, cargo coverage can be added to a trucker policy or purchased as a separate policy.

Examples: Automobiles, boats, livestock, agricultural products, mobile homes, building materials, food products, machinery, bulk liquids, petroleum products

Coverage:

Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods.

Additional Coverage Options:

Loading and Unloading Coverage
Covers accidental breakage of cargo during loading and unloading process.
Refrigeration Breakdown Coverage
Covers losses caused by malfunctions in temperature control units.
Earned Freight Coverage
Replaces income lost when a load cannot be delivered due to a covered cargo loss.

Applications