Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you
Get customized coverage for your business
Work work work. where would we be without it? Actually this is the insurance question. Where will you be without insuring your lifes work? your fruits of your labor? Thankfully our professional staff have been trained and educated to dissect your business and reveal all those aspects of your business that can pose unforeseen financial downfall. You cant always find one policy covering all the different aspects of your business but don’t worry because that’s where we come in
Commercial Insurance
We Offer coverage to match your business
Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:
- Medical Payments
- Physical Damage
- Personal Injury Protection
- Liability
- Hired Auto
- Non-Owned Coverage
- Any Auto
- All commercial coverages
We can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.
We also provide special benefits including customized coverages, competitive rates, discounts and more.
Includes cars, light trucks, SUV’s, vans and more. Business auto insurance customers enjoy advantages including discounts and access to service centers throughout the country.
From dump trucks to tractor trailers, we have the experience you’re looking for. Give us a call to get more info.
Trailers
We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.
Business and commercial van insurance policies we offer
Cargo vans
Cargo vans are typically all white, windowless, with two front seats and a large empty cargo area in the back. These usually have a large exterior space to advertise a company logo/name.
Passenger vans
Passenger vans usually seat 12-15 people and are commonly used by organizations to transport members to different outings.
Mini vans
Most people associate minivans with family, but many businesses are also transforming them into commercial vehicles. If you’re using a minivan for business purposes, we’ll likely insure it. And yes, that counts minivans you use for both personal and business reasons.
Progressive also offers commercial auto insurance for the following types of vans, including:
- Delivery van
- Sprinter vans
- Wheelchair van
- And Many More…
Truck coverages
In addition to some of the common coverages shared by all commercial vehicles, we also offer truck-specific coverages including:
- Motor Truck Cargo
- Motor Truck General Liability
- Non-Trucking Liability
- Rental Reimbursement with Downtime
- Trailer Interchange
We specialize in heavy truck claims
Our goal is to give you the better & competitive price in the market. Unlike many companies, we boast a highly specialized team who’ll manage your needs diferente from others.
Cost of commercial truck insurance
The cost of commercial truck insurance is determined by various factors. Primarily:
- Your business type
- Your driving radius
- Your vehicle
- Your location
- The limits you need
- The drivers driving histories
The impact of these factors differs from policy to policy. For example, a semi-truck driver who operates regionally will usually pay more than a driver whose routes are local.
Discounts and other ways to save
You can save up to 15 percent on your commercial auto policy through a combination of special discounts and other ways to save. Here’s just two:
- Business Experience Discount – If your business has been up and running for more than three years, you’re eligible for the Business Experience discount, which could save you as much as 4 percent on your truck policy.
- Commercial Driver’s License (CDL) Discount – If you have a Commercial Driver’s License (CDL), you can save 2 percent on your commercial policy.
Tow Truck Insurance from Sardys
Customized coverage for towing businesses
A tow truck business is any business that earns income by towing or providing roadside repair to disabled vehicles, operating a repair facility or performing some repossession work. If this is part of your business, then we can get you the right two truck insurance to protect you. Examples of businesses that may need commercial tow truck insurance typically include:
- Roadside service providers
- Auto club contractors
- Rotational towing
- Auto body shops
- Auto mechanical repair
- Full service stations
- Auto salvage and auction haulers
Tow truck coverages
That’s why having the right towing insurance is an especially important part of every towing business. And it’s why Progressive has special tow truck insurance products and features designed to meet your unique needs.
The list below outlines various towing insurance products and features that we recommend for your business. Click on the insurance coverages to learn more about who needs it, what it does and how it protects you.
Liability insurance — This form of insurance for commercial tow trucks pays for damages that you cause to other people and their property.
- Bodily Injury Liability Insurance
- Property Damage Liability Coverage
Medical Insurance Payments — This type of commercial tow truck insurance pays medical bills for you and any passengers in your vehicle in case they are hurt in an accident or auto-related injury.
Physical Damage Coverage — Physical damage coverage pays for repairs to your vehicle if it’s ever damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch. Physical damage tow truck insurance coverage can include:
- Collision Insurance
- Comprehensive Insurance
- Fire and Theft with CAC Insurance
Uninsured Motorist Insurance — Pays for damages to you and your passengers caused by drivers who don’t have insurance or don’t have sufficient insurance. It also protects you in the event of a hit-and-run. Uninsured motorist insurance for commercial tow trucks can include:
- Uninsured Motorist Insurance
- Underinsured Motorist Insurance
- Uninsured Motorist Property Damage Insurance (Where Available)
Insurance for commercial tow trucks
These are coverages designed specifically for insurance for tow truck companies. They’ll protect you when you’re storing or towing a customer’s vehicle.
Garagekeepers Legal Liability insurance — This insurance for commercial tow trucks provides protection for customer vehicles when they’re parked at your shop, garage, etc.
On-Hook Towing insurance — This towing insurance protects customer vehicles while you’re towing them.
Towing insurance: tow trucks used for repossession
Progressive does not currently offer insurance for commercial tow truck businesses that earn more than 24 percent of their revenue from repossession work.
Business Insurance
Protecting your business from liability claims
General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance quotes usually include:
- Bodily injury and property damage liability
- Personal and advertising injury
- Medical payments
- Products completed operations
- Damage to premises rented to you
Do you need general liability insurance?
General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it’s also available to many contractors as a stand-alone coverage.
As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood.
A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.
Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.
General liability insurance for contractors
If you’re a contractor, you might only want general liability – not a full BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks from your job.
General liability insurance cost
Various factors influence the cost of general liability insurance. Discover how these factors relate to your unique situation, and learn several ways to find the cheapest liability insurance for your business.
Find out if your business is eligible for general liability insurance. We can help you find the best combination between price and protection by tailoring a policy specifically for your business.
Get it all in a BOP
If you need to protect things like personal property used for your business, or commercial buildings such as garages or storage facilities, you might require the additional protections provided in a BOP.
More information
Getting Workers’ Comp for your small business
Workers’ compensation insurance (workers’ comp or workman’s compensation insurance) is a mandatory type of insurance carried by many businesses. Get a workers’ comp insurance quote with us and better protect your business from medical costs and a portion of lost wages for an employee who becomes injured or ill on the job.
Do you need workers’ compensation insurance?
Workers’ comp insurance is required by law in almost every state. These laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
Workers’ comp insurance can also protect your business from being sued by employees for workplace conditions that can cause an injury or illness.
Workers’ comp basics
Workers’ comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers’ comp include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
Many state workers’ comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment – such as playing football with friends on a day off.
Insurance for contractors is the easy way
Through Sardy’s Insurnce, you could get a policy with general liability insurance, workers’ compensation insurance, and commercial auto insurance – all in one place. This helps to reduce the hassle of dealing with multiple companies and contacts to purchase and maintain your contractors insurance.
Do you need contractors insurance?
General contractors, contractors, and subcontractors are commonly required to carry contractors insurance by the various laws and businesses they work for. Business types needing protection include:
- Construction
- Carpenter
- Plumbing
- Cleaning
- Electrician
- Landscaping
- Painting
- Handyman
- Snow Plow
- And many more…
Contractors general liability insurance
General liability insurance is often bundled with a variety of other coverages in a BOP. But as a contractor, you might not want the extra coverages in a BOP. You could be eligible to get contractors insurance with general liability protection without a BOP.
Protect your commercial vehicles
We insure a wide variety of commercial vehicles and trailers commonly used by contractors. Vehicle types might include:
- Pickup Trucks
- Dump Trucks
- Tow Truck Insurance
- Tilt Trailer Insurance
- Low-Boy Trailer Insurance
- Gooseneck Trailer Insurance
Workers’ compensation insurance
Workers’ compensation insurance could help cover the medical costs and a portion of lost wages for an employee who becomes ill or injured during work. Discover if you’re eligible to carry workers’ compensation insurance.
Business owners policy
Get general liability, workers comp, property protection and more – all in one place
Do you need a business owners policy?
All small businesses such as retail stores, restaurants, and independent contractors typically need a BOP to safeguard against unexpected financial losses beyond general liability claims. BOP protects your small business.
What’s in a business owners policy (BOP)?
A simple definition of BOP might contain only a few coverages, such as:
- General liability – Provides protection if you cause bodily injury, property damage, personal injury or advertising injury.**
- Property – Provides replacement cost coverage for buildings and most business owners’ personal property.
- Professional Liability – Do you give professional advice or provide a professional service? If so, you should probably carry professional liability insurance. This can be endorsed to your BOP.
But you might be exposed to other risks. Additional BOP coverages might include:
- Identity Theft
- Employment Practices Liability
- Electronic Data and Equipment
- Personal Property of Other
- Valuable Papers and Records
- Blanket Additional Insured
- Limited Property of Others Liability
- Short-Term Pollution from Pollutants at Job Site
- Building & Business Personal Property
- Business Income and Extra Expense
- And more!
More options for you, better way to stay protected
Not sure if you need commercial quote? Give us a call and find out.
We advise you in your vehicle coverage for your business Get for info.
Find out which commercial auto discount might apply to you. Get in contact with us
We specialize in commercial insurance