Commercial Auto Insurance in Massachusetts

Atlantic Insurance Brokerage, Inc is providing insurance options for commercial auto insurance to businesses in Massachusetts & beyond.

Start Your Quote

Get a Quote for Commercial Auto Insurance in Massachusetts

What Is Commercial Auto Insurance?

Commercial auto insurance in Massachusetts is a type of business insurance policy designed to help protect businesses that use vehicles for work-related purposes. Whether you own a single company car or manage an entire fleet of trucks, having the right insurance coverage may help safeguard your business against financial losses resulting from accidents, property damage, and liability claims.

Business owners often rely on vehicles for deliveries, transporting equipment, or meeting clients. Personal car insurance may not offer adequate protection for vehicles used in a commercial capacity. A commercial auto insurance policy may provide various coverage options tailored to business needs.

Who Needs Commercial Auto Insurance in Massachusetts?

Any business that owns or operates vehicles in Massachusetts may need commercial auto insurance. This includes small businesses, independent contractors, and large corporations that use cars, vans, or trucks for work-related purposes. Industries that commonly require commercial auto insurance include:

Contractors and tradespeople (plumbers, electricians, landscapers)
Delivery services (catering, floral, and parcel delivery)
Real estate professionals and sales teams
Rideshare and transportation services
Freight and trucking companies

If you or your employees drive a vehicle for business-related tasks, commercial auto insurance may be necessary to help protect your business from potential financial risks.

Get a Quote

Send us a bit of your information and we’ll be in touch shortly!

“Dan was so knowledgeable and helpful with both my personal insurance and also our commercial policies. Can’t recommend more!! Always nice to be able to pick up the phone and deal with an agent directly.”

D. Wallace

Google Review

What Does Commercial Auto Insurance Typically Cover?

Commercial auto insurance policies in Massachusetts may offer a variety of coverage options, including:

Liability Coverage – This may help cover bodily injury or property damage to others if your business vehicle is involved in an accident.
Collision Coverage – If your company vehicle is damaged in a crash, this coverage may assist with repair or replacement costs.
Comprehensive Coverage – This may help cover damages caused by incidents other than collisions, such as theft, vandalism, or weather-related damage.
Medical Payments (MedPay) or Personal Injury Protection (PIP) – These options may help cover medical expenses for you and your passengers, regardless of fault.
Uninsured/Underinsured Motorist Coverage – If your business vehicle is hit by a driver who lacks sufficient insurance, this coverage may help with repair and medical expenses.

Coverage options and policy specifics may vary, so it’s important to discuss your needs with an insurance professional.

How Does Massachusetts Law Affect Commercial Auto Insurance?

Massachusetts has specific requirements for commercial auto insurance. Businesses operating vehicles in the state are generally required to carry minimum liability coverage. These requirements may include:

Bodily injury liability per person and per accident
Property damage liability per accident
Personal Injury Protection (PIP)
Uninsured motorist coverage

Depending on the type of business and vehicle use, higher coverage limits may be recommended. Certain industries, such as trucking, may have additional insurance requirements.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance in Massachusetts varies based on several factors, including:

The type and number of vehicles insured
How vehicles are used for business purposes
Driving history and experience of employees operating the vehicles
Policy coverage limits and deductibles
Business location and industry risk factors

Businesses with larger fleets or higher liability risks may have different cost considerations than smaller operations. Getting a customized quote from an insurance brokerage can help you determine pricing based on your business needs.

How Can Businesses Save on Commercial Auto Insurance?

Businesses may explore several ways to reduce commercial auto insurance costs while maintaining adequate coverage. Some potential strategies include:

Bundling Policies – Combining commercial auto insurance with other business insurance policies may provide cost savings.
Safe Driver Discounts – Businesses that implement driver safety programs or maintain a good driving record may qualify for discounts.
Adjusting Deductibles – Choosing a higher deductible may lower monthly premiums, but it’s important to ensure affordability in case of a claim.
Regular Policy Reviews – Reviewing and updating your coverage periodically may help ensure you have the right protection at a competitive rate.

Speaking with an insurance broker can help identify potential discounts and cost-saving opportunities based on your specific business operations.

How Can You Get a Quote for Commercial Auto Insurance in Massachusetts?

At Atlantic Insurance Brokerage, we specialize in helping Massachusetts businesses find commercial auto insurance policies that align with their needs. Our experienced team works with multiple insurance carriers to provide customized coverage options that may help protect your company vehicles and financial interests.

We take the time to understand your business, industry risks, and vehicle usage to help you find a policy that offers the right balance of protection and affordability. Whether you operate a small local business or manage a larger commercial fleet, we’re here to assist you every step of the way.

Getting a commercial auto insurance quote in Massachusetts is easy with Atlantic Insurance Brokerage. Let Atlantic Insurance Brokerage help you explore commercial auto insurance solutions for your Massachusetts business.

Request a Quote!

Don’t navigate insurance alone! Contact our Massachusetts team to find the perfect coverage for your needs.

Request your quote below