Drive Your Business Vehicles with Confidence

Big Protection for Your Small Business Autos

Whether you use your own car or a fleet of pickups or box trucks to get the job done, we have solution that offer the protection you need — liability, personal injury/medical, comprehensive, and collision coverage and more — to keep your business moving forward. Plus, if your employees use their own vehicles to perform deliveries, make sales visits, or run errands for your business, you could be liable for any accidents they cause.

We have access to several commercial auto insurance products to help meet all of your business needs. Your MIA advisor can help you determine what deductible amounts and coverage limits are best for your situation and can offer commercial auto insurance quotes. We can help with your other business needs, too. Trust The MIA Group for property and liability, workers compensation and specialty insurance.


Commercial Auto Insurance Coverage Options

  • Bodily Injury Liability Coverage: Help pays damages due to bodily injury to others for which you are responsible. If you are sued, it also help pays your defense and court costs.


  • Property Damage Liability Coverage: Help pays damages due to property damage to others for which you are responsible. If you are sued, it also help pays your defense and court costs.


  • Personal Injury/Medical Payments Coverage: Usually help pays medical and funeral expenses for bodily injury to a covered person sustained in an accident in your auto.


  • Collision Coverage: Help pays for a covered auto that is damaged by collision with another object or by upset.


  • Comprehensive Coverage: Help pays for a covered auto that is stolen or damaged by causes other than collision or upset.


  • Uninsured/Underinsured Motorist Coverage: Help pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or whose available limits are less than the limits you chose to carry for this coverage. You’d be surprised how many people only carry minimum limits. Would you like to have the same coverage for yourself that you are providing the other person?


  • What amount of a covered loss are you willing to pay? The deductible is the portion of a covered loss that is your responsibility. For example, if you had a $500 deductible, you would need to pay $500 of the covered loss.


  • How high should your liability coverage limits be? No one can predict exactly how much you would have to pay if you were to cause an accident. How you would pay for any damages exceeding your coverage limits? The higher the limits on your commercial auto insurance, the more likely your policy will be able to pay all of the damages.

Employer Non-Owned Car Liability Coverage (ENOL)

An Employer Non-Owned Car (ENOL) commercial auto insurance policy protects you when your employees drive their own vehicles for business purposes, so your revenues won’t be siphoned off by legal judgments. If your employees even occasionally use their own cars for your business, don’t be driven to financial loss. Protect your business with this affordable coverage.

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