Commercial Vehicle Insurance for Your Business
Harris Insurance has been proudly serving businesses across the country with professionalism, transparency, and unwavering client support. We understand that commercial vehicles are vital assets for your operations, and protecting them with the right coverage is essential. Our core services focus on delivering customized commercial auto insurance policies that safeguard your fleet, employees, and business continuity.
Our Main Insurance Policies and Services
Our goal is to protect your business assets with commercial car insurance solutions tailored specifically to your operational risks and industry requirements. Harris Insurance specializes in a broad range of policies to cover diverse business risks, including:
General Liability Insurance
Protects your business against claims of bodily injury, property damage, and advertising injury.
Commercial Property Insurance
Covers damage or loss to your physical assets like buildings, equipment, and inventory.
Workers’ Compensation Insurance
Provides wage replacement and medical benefits to employees injured on the job.
Professional Liability Insurance
Protects against claims of negligence or mistakes in the services you provide.
Commercial Auto Insurance
Covers vehicles used for business purposes, including liability and physical damage.
Business Interruption Insurance
Compensates for lost income and operating expenses if your business is temporarily unable to operate due to a covered event.
Cyber Liability Insurance
Protects against data breaches, cyberattacks, and associated liabilities.
Product Liability Insurance
Covers claims related to injuries or damages caused by products you manufacture or sell.
Surety Bonds
Guarantees your contractual obligations and regulatory compliance.
Employment Practices Liability Insurance
Protects against claims related to wrongful termination, discrimination, harassment, and other employment issues.
Environmental Liability Insurance
Covers costs related to pollution cleanup and environmental damage caused by your operations.
Insurance Solutions for Different Industries and Sectors
Courier Services
Courier companies rely heavily on timely, safe deliveries. Our commercial auto insurance covers your delivery vans and drivers against accidents, theft, and cargo damage, ensuring your operations keep moving without costly interruptions.
Construction Companies
Construction vehicles and heavy equipment face unique risks on job sites, including property damage and accidents. Our policies provide comprehensive protection for your trucks, trailers, and specialty vehicles, safeguarding your assets and meeting industry regulations.
Transport Fleets
Whether you manage a fleet of trucks, buses, or vans, our commercial auto insurance offers fleet-specific solutions. Benefits include flexible coverage options, streamlined claims handling, and risk management advice to optimize your operational efficiency.
Logistics and Distribution
Logistics providers transport goods across multiple locations, often carrying valuable cargo. Our insurance plans include liability, cargo, and vehicle coverage designed to protect your business from transit-related risks.
How We Simplify Claim Handling
At Harris Insurance, we know that when an incident occurs, fast and efficient claims processing is critical. Our clients trust our professional approach to handling claims fairly and quickly, making us a top choice for commercial auto insurance. Our claims process is designed to be:
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Easy and Straightforward Filing: We make submitting a claim simple and hassle-free by offering multiple convenient options (whether online, by phone, or via email), so you can choose what works best for you.
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Dedicated Client Support Team: Our experienced claims specialists provide personalized, ongoing assistance from start to finish, ensuring you feel supported and informed throughout the entire process.
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Expert Guidance on Coverage and Next Steps: We help you understand your policy details and walk you through each phase of the claim, so you know what to expect and how to maximize your benefits.
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Fast Claim Resolution: Speed is critical when dealing with claims. Our team works efficiently to process and resolve claims quickly, helping minimize disruptions to your business operations.
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Accessible Communication Channels: Whether you prefer to talk by phone, send an email, or use our online portal, our representatives are readily available to assist you when and how you need.
Why Businesses Need Comprehensive Commercial Vehicle Insurance
With commercial auto insurance, you gain peace of mind knowing your assets, employees, and operations are protected. Our insurance products, including commercial auto insurance and commercial car insurance, help secure your business’s future.
Protection Against Vehicle Damage
Covers repairs or replacement costs if your commercial vehicles are damaged in accidents, weather events, or vandalism.
Liability Coverage for Bodily Injury
Protects your business if an employee causes injury to others while operating a company vehicle
Liability Coverage for Property Damage
Covers costs if your vehicles damage third-party property during business operations.
Coverage for Medical Expenses
Pays medical bills for drivers or passengers injured in a covered accident.
Theft and Vandalism Protection
Safeguards your vehicles against loss or damage from theft or intentional damage.
Hired and Non-Owned Vehicle Coverage
Protects your business when employees use rented, leased, or personal vehicles for work purposes.
Cargo Coverage
Insures the goods or equipment your vehicles carry, protecting your assets from loss or damage in transit.
Business Interruption Coverage
Compensates for lost income and expenses if your vehicles are out of service due to a covered loss.
Legal Defense Costs
Covers attorney fees and court costs if your business faces a lawsuit related to vehicle operations.
Customized Coverage Options
Policies can be tailored to your fleet size, vehicle types, and specific industry needs.
Compliance with Legal Requirements
Ensures you meet state and federal insurance mandates for commercial vehicles, avoiding fines or penalties.
Peace of Mind for Employees and Clients
Provides security knowing your vehicles and drivers are protected, enhancing trust and business reputation.
How to Determine the Right Insurance Coverage for Your Business
Choosing the right commercial auto insurance policy is essential to protect your business assets, comply with regulations, and maintain operational continuity. At Harris Insurance, we simplify this complex decision-making process by guiding you through every step with expert advice tailored to your unique needs.
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Consultation & Risk Assessment
Our process begins with a comprehensive consultation where we analyze your business fleet size, the types of vehicles you operate, whether delivery vans, heavy trucks, or specialized equipment, and your daily operational risks. This helps us identify exposures such as accident frequency, cargo type, and driving environments that directly impact your coverage needs.
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Industry-Specific Considerations
For example, courier services face higher liability from frequent stops, while construction companies contend with heavy equipment risks and potential property damage on job sites. We factor in these unique challenges and regulatory mandates to ensure your policy meets all legal obligations and business realities.
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Customized Coverage Solutions
We develop personalized insurance packages that balance your operational risks with your financial goals. Whether you need broad liability limits, physical damage coverage, comprehensive cargo protection, or combined packages, we tailor solutions to protect your business effectively without unnecessary expenses.
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Policy Limits and Budget Balancing
Finding the right balance between adequate coverage and affordable premiums is crucial. We work closely with you to set policy limits that protect your assets, minimize your financial exposure, and fit within your budget. We explain the implications of different deductible levels so you can make well-informed decisions.
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Ongoing Review and Adjustments
As your business grows or changes, whether through adding vehicles, expanding routes, or entering new markets, your insurance needs evolve. We provide ongoing policy reviews and adjust your coverage to reflect these changes. This proactive approach ensures your protection remains comprehensive and up to date.
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Claims Support and Advocacy
In the event of an accident or loss, we stand by your side with expert claims support. Our team assists you throughout the claims process, advocating on your behalf to ensure prompt, fair settlements and minimal disruption to your operations.
Risks of Inadequate Commercial Auto Insurance Coverage
Businesses that underinsure or neglect commercial vehicle coverage face serious risks. Don’t let insufficient auto insurance for commercial vehicles jeopardize your operations. Trust Harris Insurance to provide the right level of protection.
Personal Liability for Excess Damages
If accident-related costs exceed your policy limits, your business—or even personal—assets may be used to cover the remaining balance.
Out-of-Pocket Repair
Without proper coverage, you may have to pay out of pocket for vehicle repairs or replacements after an accident, theft, or natural disaster.
Legal Fines and Penalties
Operating without sufficient commercial auto insurance may result in regulatory fines, suspended licenses, or legal action.
Increased Future Premiums
Claims made under inadequate coverage often lead to higher future insurance premiums and fewer carrier options due to elevated risk.
Business Downtime and Revenue Loss
When vehicles are out of service and not covered, you may face costly delays, missed deliveries, or project setbacks—damaging client relationships and revenue.
Contract Violations or Loss of Clients
Many clients and vendors require proof of sufficient commercial auto insurance. Underinsuring can lead to lost contracts or missed partnership opportunities.
Gaps in Liability for Hired or Employee Vehicles
Without coverage for non-owned or hired vehicles, your business could be liable for accidents involving rented or employee-owned cars used for work.
Damage to Business Reputation
Failure to handle accidents or claims properly due to lack of coverage can erode trust with clients, partners, and employees, impacting long-term business growth.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
FAQ
Are commercial vehicles more expensive to insure?
Yes, commercial vehicles typically have higher insurance premiums than personal vehicles because they are used more intensively, carry heavier loads, and involve greater liability risks. Factors such as vehicle type, driver experience, and industry also impact costs.
What is the best insurance for commercial vehicles?
The best insurance depends on your business needs. Comprehensive commercial vehicle insurance policies that include liability, collision, comprehensive, and cargo coverage provide the broadest protection. Customized policies tailored to your industry and fleet size are ideal.
What are the two types of commercial insurance?
Generally, commercial insurance is divided into property insurance (covering physical assets like vehicles and buildings) and liability insurance (covering legal responsibilities arising from accidents or injuries). Many policies combine both types.
Why is commercial vehicle insurance so high?
Premiums are higher because commercial vehicles are driven more frequently, carry goods or passengers, and pose greater risk for accidents or damage. Additionally, legal and regulatory requirements increase coverage minimums, impacting cost.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611