Do you need a Pennsylvania commercial auto insurance policy? Yes, if you own, lease, or rent one or more vehicles that you or at least one employee uses for business. All U.S. states mandate commercial vehicle liability. The term “auto” encompasses a wide variety of business-use vehicles: vans, taxis, pickup trucks, limos, and buses. If you transport goods or people, if you make deliveries, if your vehicle is licensed or registered as a commercial vehicle , or if you are an independent contractor that uses your car for business, this insurance is for you.
There are many coverage variables and options that can fluctuate widely from insurance carrier to carrier. We will recommend the best options from our more than 100 insurers based on your needs. There are also special rules that may apply: If you have large trucks, you need truck liability; if you transport goods or persons across state lines, there are federal requirements; if you are engaged in public transportation with workers classified as “safety-sensitive,” there are D.O.T. requirements.
It’s complicated. Whether or not you have your business insurance program with Gilbert’s Risk Solutions, we encourage you to contact us if you have questions about our Pennsylvania Commercial Auto insurance options.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.