Welcome to LMBF Assurances
Your business may well use only one transport truck, or it may have hundreds of trucks moving in and out of its facilities every day. Regardless of your scenario, your business needs a commercial vehicle insurance policy, also known as commercial auto insurance, customized to your needs. Any vehicle used for commercial activities — such as transporting materials, equipment, equipment, tools, people, etc. — should be covered by a commercial auto insurance policy. LMBF understands the importance of commercial vehicles and/or your business fleet, which is why we are here to help you get the coverage you need at the best price. Get the best commercial insurance today by starting with a free quote.
Commercial auto insurance is a commercial policy designed to protect a company's vehicles, whether it's a single car to make deliveries or a larger fleet of transport trucks. Commercial auto insurance is designed to protect your business liability in the event of accidental damage or injuries caused by the use of your vehicles. It also offers optional collision or payout coverage and comprehensive coverage to cover the costs associated with commercial vehicle repairs.
As an optional benefit, similar to a personal policy, your commercial auto insurance includes coverage if your vehicle is involved in an accident with another driver or a stationary object. Coverage includes repair and/or replacement costs, less your deductible.
You may choose to include comprehensive insurance in your commercial auto insurance, which includes coverage for the repairs or replacements you need as a result of a hail storm, fire, or other unexpected disaster that causes damage to your fleet or business vehicles.
Your commercial auto insurance contains civil liability coverage to cover legal fees if the operation of one or more of your commercial vehicles causes property damage or personal injury to a third party. Your coverage includes court fees, settlements, or resulting costs.
Often yes if the use is professional, especially if the vehicle is in the company's name or used for operations.
Claims history, high-risk drivers, intensive use, specialized vehicle types, or undeclared activities.
Type of use, territory, mileage, driver profiles, history, vehicle values and fleet management.
As soon as it is used for professional activities (delivery, service, sales, transporting tools or employees).
Driving policies, training, documented maintenance, driver monitoring and usage procedures (key, cargo, parking).
Commercial auto is designed for business use, multiple drivers, operations and exposures specific to work.
