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The Road for Commercial Auto Insurance Is Smooth with Us

Providing superior commercial auto insurance Columbus, Ohio, along with personalized service to our clients, forms the foundation for everything we do at Haughn & Associates. Whether they are located in Columbus, throughout Ohio, or in one of the many other states where our insurance business is licensed to offer coverage, we pledge to protect, serve, and put our commercial auto insurance customers first.

Business Owners Face Risks Whether They Own, Rent, or Use Personal Vehicles

Businesses with a fleet of company vehicles typically ask about Commercial Auto insurance, but unfortunately, a number of enterprises may not realize they too carry vehicle liability risks. For example, did you know these liability risks exist even if you’re not the owner of a company car or truck?

No matter what kind of vehicle you or your employees use for business — personal cars, a company vehicle, or an auto rental — if you’re at fault for an accident while on business, your firm may be liable for damage or injuries. A Commercial Auto policy for owned and non-owned vehicles is needed to protect your company in these instances.

Every Size Business Needs Commercial Auto Insurance

It is obvious a large appliance retailer with a fleet of delivery trucks and repair vans requires an excellent commercial auto insurance policy, but you don’t need a parking lot full of commercial vehicles at your business to necessitate insurance coverage. Even if you are a solopreneur with a small business in Columbus, OH, you take a risk each time you get in your car or another vehicle to perform a business-related activity such as delivering a product or calling on a customer.

Haughn & Associates Tailor a Business Auto Policy to the Needs of Each Client

H & A offers a total auto insurance solution for your business in Columbus and other Ohio communities. From Commercial Auto Liability coverage to Comprehensive and Collision coverage options to Uninsured or Underinsured Motorists compensation, our insurance agency can help you find the right policy and available discounts for your coverages. Since we partner with a large number of commercial insurance companies, we can access a multitude of options to design the perfect policy for your needs and negotiate discounts to save you money. We always put you, our valued customer, first.

Meet the Parts of a Commercial Auto Insurance Policy

When designing your policy, our agent reviews your specific exposures to determine the coverage you need and the amounts you requireHere’s a list of commercial auto insurance coverages that policies may include:

  • Bodily Injury Liability: Pays for any personal injury or death that occurs from a vehicle accident that is your fault and often provides for legal defense.
  • Property Damage Liability: Safeguards you from liability if you unintentionally destroy or damage someone’s property and usually pays legal defense costs.
  • Medical Payments: Pays for reasonable and necessary bodily injury medical expenses for you and your passengers as a result of a covered accident.
  • Uninsured Motorists/Underinsured Motorists: Pays for your injuries and provides compensation for particular property damage caused by hit-and-run drivers, uninsured drivers, or an at-fault driver who has insufficient auto insurance to cover all the medical payments, property claims, and other losses.
  • Comprehensive: Pays for damage to your car, truck, or another vehicle if it is caused by flood, fire, vandalism, theft, and other covered perils such as animal collisions.
  • Collision: Pays for vehicle damage when it hits or is struck by another object.
  • Hired & Non-Owned Auto Liability: This addition covers claims against your business from an accident involving a company employee using his or her own or rented vehicle for business purposes. This is an essential commercial auto policy addition, especially for any small business, since employees in these companies often run quick errands with their own cars, trucks, or other vehicles.


Speak with an H&A insurance advisor to discover all your commercial auto policy options to cover your unique business insurance needs.

Many Factors Determine the Price of Commercial Auto Policies

Just like property and equipment insurance, workers compensation insurance, and other types of commercial business insurance, the cost of a policy to provide coverage for your business vehicles is determined by many considerations. Some of the different factors that contribute to the price of the annual premium for commercial auto insurance may include:

Type of Business

Some kinds of businesses inherently carry greater risks than others. A business such as a welding supply company with trucks that transport flammable canisters presents more dangers than a commercial photographer who simply carries camera equipment in a van.

Types of Vehicles

Large construction vehicles, heavy dump trucks, and tankers carrying flammable liquids all present more dangers than ordinary cars. Any risky vehicle raises premium costs.

Number of Trips and Miles Covered

A commercial business with a fleet of delivery vans making numerous daily trips pays more for insurance coverage than companies with a single truck or vehicle. Companies that frequently send employees to service equipment hundreds of miles away may also pay higher premiums.

Number of Drivers

Likewise, the more drivers companies have out on the road, the greater the risk of an accident.

Safety Record

The accident history of companies, as well as individual motor vehicle records of drivers employed by the businesses, may play a part in the rates for business auto coverage.

Coverage Limits

The maximum amounts your insurance covers affect the amount you pay. When you opt for higher limits, your premium goes up in accordance with the increased limits.

Keep Your Costs of Commercial Auto Insurance Columbus Under Control

As with all your business insurance Columbus coverage, you want to keep premium expenses as low as possible for the necessary amount of coverage your business requires. While you probably can’t control many of the factors mentioned above that affect prices, you can take make sound decisions and take proactive measures to receive as many premium discounts as possible.

Choose a Reputable Insurance Agency Offering Individual Personal Service

The insurance agency you work with helps determine not only high-quality coverage and appropriate protection but also the most reasonable price you pay for commercial insurance coverage. Haughn & Associates of Columbus, OH provides small businesses, as well as large corporations, with a large array of commercial insurance choices from the many companies we partner with for our business. This gives you boundless options and reasonable prices.

Provide Training and Safety Incentives to Your Employees

Make sure your workers know safe driving is a top priority. Convene safety meetings with refreshments to cover the rules of the road, and post the number of safe miles and trips. Set goals and throw a pizza party or hand out gift cards when they’re met.

Keep Commercial Vehicles in Top Shape

Provide regular maintenance and frequent inspections for your fleet. Make needed repairs promptly.

Our Commitment to You

At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow our team to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection for your insurance package.