Ohio Commercial Auto Insurance Coverage

Every business is unique, and each faces different exposures. We make it our business to become experts in your business so we can identify the key exposures you face, and then provide the best coverage solutions to address the risks of loss.

We work for you to provide the security and peace of mind you deserve so you can spend more time running your business and less time worrying about your insurance. It's a simple philosophy, but one that many Ohio businesses have come to expect from the licensed advisors at Simon Insurance Agency. We appreciate these lofty expectations, we look forward to exceeding them for our current clients, and we continually strive to help prospective clients increase their expectations of their insurance protection.

Our Business Insurance Products Include:

Bonds

Builders Risk

Business Income

Businessowners Policy (BOP)

Commercial Auto

Commercial General Liability

Commercial Package Policy

Commercial Property

Crime

Directors & Officers (D&O)

Employee Benefits Liability

Employer's Liability (Stop Gap)

Employment Practices Liability (EPLI)

Flood

Inland Marine (Contractors Equipment)

Professional Liability and E&O

Umbrella

Workers’ Compensation

Ohio Commercial Auto Insurance

Warning! A plain vanilla Commercial Auto Policy does not serve as a substitute for a Personal Auto Policy. Unless you're in a company car on business, the Commercial Auto Policy doesn't cover liability and medical payments. This is not a cruel trick; it protects your company from liability for non-business accidents.

If you insure your auto under a Personal Auto Policy, you and your family have liability coverage and medical payments for non-business accidents.

Can the Commercial Auto Policy be endorsed to function like a Personal Auto Policy? Yes, there are two drive other car (DOC) endorsements to effect this change. One is for corporations and the other is for unincorporated businesses. Your agent can arrange the proper endorsement for your needs. However, don't avoid a Personal Auto Policy just to save premiums or for tax reasons.

Generally, a Personal Auto Policy can suffice for a sole proprietor with private, passenger-type vehicles only. A private passenger vehicle owned or leased by a corporation, partnership or other business organization is a different story. You must use a Commercial Auto Policy.

Symbols and the Commercial Auto Policy

No longer are we dealing with special, standard, and the like. The Commercial Auto Policy uses symbols 1 through 9 to indicate vehicle coverage for claims. Symbol 1 gives any auto coverage. The insured is covered for owned, rented, borrowed autos and an auto just used by the insured. This is the most common coverage.

Symbol 7, the other most common symbol, covers only specifically described autos. Newly acquired autos, under 7, are given coverage only if the insurer insures all owned autos. Symbol 7 also covers a new vehicle that replaces a covered one. This feature only works if the acquired auto is identified to the insurance company within 30 days.

Combining Symbol 8 & 9 will provide coverage for hired, leased, rented or borrowed autos and non-owned autos. That's good for a business that doesn't own an auto.

Request A Free Quote

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Requesting a free quote is easy, straight forward and time saving!

All we need from you is some basic information to get the process started. By filling out the form to the left with a few lines of information, it will allow one of our experienced insurance agents to contact you to discuss the different options of the insurance type you requested.

We are here to work for you so that is exactly what we will do. Once we have all the information we need, we will carefully look over all the options that are available to find out the best coverage for the best rate that will fit your needs. Then we will call you back to let you know how much money you saved by switching your business to Simon Insurance Agency.

Thanks for inquiring about insurance through Simon Insurance Agency.

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