Commercial Auto Insurance
Protecting Your Business on the Road With MBA Insurance Services’ Commercial Auto Insurance
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Get the Commercial Auto Insurance Your Business Needs
Whether you’re delivering goods, traveling to job sites, or transporting equipment, vehicles are a critical part of many business operations. But just like your personal car insurance, business vehicles need the right protection too. At MBA Insurance Services, we specialize in providing tailored commercial auto insurance solutions to businesses across Minnesota and Wisconsin.
Our experienced agents understand the unique risks and coverage requirements associated with operating vehicles for business purposes. From small contractors with a single truck to companies with full fleets, we’re here to protect your vehicles, drivers, and business reputation.
What Is Commercial Auto Insurance?
Commercial auto insurance is a policy that covers vehicles used for business purposes. Unlike personal auto insurance, it is specifically designed to protect your business in the event of an accident, damage, or lawsuit involving a company-owned or employee-driven vehicle.
This coverage is essential if you:
- Own, lease, or rent vehicles in your business name
- Have employees driving for work-related tasks
- Use trucks, vans, or utility vehicles for business purposes
- Transport tools, equipment, or goods
Without the right commercial coverage, a single accident could leave your business exposed to serious legal and financial risk.
What Does Commercial Auto Insurance Cover?
At MBA Insurance Services, we build every commercial auto insurance policy around the specific needs of your business. Core coverages typically include:
Liability Coverage
Protects your business if one of your vehicles is involved in an at-fault accident causing injury or property damage to others. This is a legal requirement in most states.
Physical Damage (Collision and Comprehensive)
Covers repairs or replacement if your vehicle is damaged in an accident (collision) or due to non-collision events like theft, fire, vandalism, or weather (comprehensive).
Medical Payments / Personal Injury Protection (PIP)
Provides medical coverage for you or your employees injured in a covered vehicle, regardless of fault.
Uninsured/Underinsured Motorist Coverage
Protects your business if your vehicle is hit by a driver who has no insurance or insufficient coverage.
Hired and Non-Owned Auto Coverage
Essential if employees occasionally use personal vehicles for business or if your company rents vehicles. This protects your business from liability in these scenarios.
Optional Coverages
We also offer optional add-ons such as:
- Roadside assistance
- Rental reimbursement
- Cargo coverage
- Towing and labor
- Equipment and tool coverage in transit
Who Needs Commercial Auto Insurance?
If your business involves the use of any vehicle—owned, leased, or borrowed—commercial auto insurance is essential. We provide coverage for a wide range of industries and professions, including:
- Contractors and construction companies
- HVAC, plumbing, and electrical businesses
- Landscapers and lawn care services
- Real estate agents and property managers
- Delivery and courier services
- Cleaning and janitorial companies
- Sales teams and traveling consultants
No matter the size of your business, we’ll work with you to ensure you’re meeting both legal requirements and practical risk management needs.
The MBA Insurance Services Approach to Commercial Auto Insurance
We believe the best insurance policies are those built on a deep understanding of your business. When you choose MBA Insurance Services for commercial auto insurance, you get:
- A personalized policy tailored to your vehicles, drivers, and risks
- Access to multiple top-rated carriers for the best rates and coverage
- A local agent who understands regional driving risks and regulations
- Ongoing policy reviews from our professionals as your business grows or changes
- Claims support from a team that truly cares about your business
Our agents don’t just sell policies, we build relationships. When you call, you speak to a real person who’s invested in helping your business succeed.
Local Coverage, Regional Expertise
With offices in Red Wing, Lake City, Lutsen, and Ellsworth, MBA Insurance Services is proud to serve businesses throughout Minnesota and Wisconsin. Our clients range from small family-run operations to growing regional companies that rely on vehicle fleets every day.
Our commercial clients benefit from:
- Quick certificate of insurance issuance
- Driver safety and risk management resources
- Policy bundles for commercial property and general liability
- Flexible payment plans
We stay actively involved in the communities we serve because we believe in supporting the businesses that make our towns thrive.
Why Choose MBA Insurance Services for Commercial Auto Insurance?
There are plenty of places to buy insurance, but not all offer the same level of knowledge, service, or commitment. MBA Insurance Services stands out because:
- We’re locally owned and deeply connected to our communities
- We partner with a variety of leading commercial insurance carriers
- We value honesty, transparency, and long-term service
- We advocate for our clients during the claims process
When your vehicles are the backbone of your business, you need more than just a policy; you need a partner. That’s exactly what we provide.
Get a Quote for Commercial Auto Insurance Today
Don’t wait until an accident or lawsuit puts your business at risk. Let MBA Insurance Services help you find the right commercial auto insurance policy to keep your business moving forward.
Call at 651-388-7128 or visit one of our four local offices or request a commercial insurance quote online. We’re here to protect your vehicles, your team, and your business every mile of the way.