Commercial Auto Insurance in Ashland, OR
Commercial auto insurance is typically necessary for businesses that depend on vehicles for their daily operations. Whether you run a small delivery service, a construction firm or manage a fleet of service vehicles, securing the appropriate insurance coverage can safeguard your business against substantial financial losses. 
Coverage Types
Commercial auto insurance typically includes the following types of coverage:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Common Exclusions
Commercial auto insurance policies typically have the following exclusions:
- Intentional damage—Any damage or injury caused intentionally by the driver is not covered. For example, if a driver deliberately causes an accident, the insurance will not pay for the damage.
- Contractual liability—If your business assumes liability through a contract, such as a subcontractor agreement, this liability is typically not covered under a standard commercial auto policy.
- Workers’ compensation—Injuries to employees that occur while they are driving for work are usually covered under workers’ compensation insurance, not commercial auto insurance.
- Pollution—Damage or injury caused by pollutants being transported, loaded or unloaded from the vehicle is generally excluded.
- Handling of property—Claims arising from the handling of property before it is loaded onto or after it is unloaded from the vehicle are often not covered.
- Racing or high-risk activities—Any damage or injury resulting from racing or other high-risk activities is excluded.
Understanding these exclusions can help you better manage risks. If necessary, additional endorsements or separate policies can be purchased to cover some of these gaps.
Learn More
For commercial auto insurance near you, contact Reinholdt & O’Harra Insurance.