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Your Commercial Insurance Coverage Plan

Your commercial insurance policy is similar to your personal auto insurance policy in that it provides coverage in liability, collision, comprehension, medical payments (or personal injury protection) and uninsured motorists protection. There are some key differences though in relation to eligibility, coverage, exclusions and limits.

Bodily Injury Coverage will pay for bodily injury or death in the event of an accident which you are at fault. This also provides you with legal defense.

Property Damage Liability Coverage will protect you if your vehicle damages another persons property. This also provides you with legal defense.

Combined Single Limit (CSL) offers separate limits for bodily injury claims for property damage. It has the same dollar amount coverage per covered occurrence for bodily injury or property damage whether one person, or several are involved.

Medical Payments and no-fault personal injury coverage pays for the medical expenses of the driver and passenger in your vehicle in the event of an accident regardless of who was at fault.

Uninsured and underinsured motorist coverage protects you in the event that property damage or personal injury is caused by a motorist who is either not insured, or not insured sufficiently to cover the resulting expenses. This also covers hit and run drivers.

Comprehensive Physical Damage Coverage covers your vehicles in the event of theft, vandalism, fire, flood, and other natural covered disasters.

Collision coverage will pay for the damage to your vehicle when it hits, or is hit by another object.

To get the best price on your Colorado commercial insurance policy talk to our professional staff today.