Commercial Auto Insurance in Kansas City, KS

Most businesses that own, lease or use vehicles for work need commercial auto insurance. This policy may help businesses stay financially secure when vehicles are damaged or the company is liable for third-party accident-related claims.

Who Needs Commercial Auto Insurance?

You need commercial auto insurance if you:

• Use vehicles for business purposes (deliveries, transporting goods, visiting job sites, etc.)

• Own or lease vehicles under a business name

• Have employees who use their personal vehicles to conduct business

When Is Commercial Auto Insurance Required?

Requirements often vary depending on local laws and the type of vehicles involved. For example, businesses using large trucks or transporting passengers may need higher liability limits. In Kansas, commercial vehicles must carry a minimum amount of liability insurance and uninsured/underinsured motorist coverage. If your car is financed or leased, your lender may require comprehensive and collision coverage.

What Does My Policy Cover?

A commercial policy may cover a variety of risks. Most standard policies include the following:

• Liability coverage may pay for physical injuries or property damage you cause to others in an accident. This may also cover your legal defense costs, including attorney fees, court expenses and settlements, up to the policy limits.

• Collision coverage may cover your vehicle’s repair or replacement costs after a crash, regardless of fault.

• Comprehensive coverage may reimburse financial losses from non-collision-related events such as fire, theft, vandalism or severe weather.

• Uninsured/underinsured motorist coverage may provide financial support if your business vehicle is hit by an at-fault driver who lacks liability insurance.

Contact Fusion Insurance Agency Today

Our team helps Kansas businesses assess risks, compare coverage options and customize policies. Contact us today to secure your commercial auto policy.