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The Road for Commercial Auto Insurance Is Smooth with Us

Businesses that own company vehicles usually ask about Commercial Auto insurance, but there are many other firms that may not realize they too have automobile liability risks. For example, did you know that liability risks exist even if you’re not the owner of a company car or truck? No matter what kind of vehicle your employees use for business – their own cars, a company vehicle, or a rented automobile—if they’re responsible for an accident while on business, your company could be held liable for resulting injuries or damage. A Commercial Auto policy for owned and non-owned vehicles is needed to protect your company in these instances.

The Parts of an Auto Policy

Haughn & Associates (H&A) offers a total Auto insurance solution for your business – from Liability to Comprehensive and Collision to Uninsured or Underinsured Motorists insurance. When designing your policy, we will review your specific exposures to determine the coverages and amounts you need. Here’s a list of coverages your policy may include:

  • Bodily Injury Liability: Pays for bodily injury or death resulting from an accident for which you are at fault and provides legal defense in most cases.
  • Property Damage Liability: Provides you with protection if your vehicle accidently damages another person’s property and provides legal defense in most cases.
  • Medical Payments: Pays for reasonable and necessary medical expenses for you and your passengers as a result of a covered accident.
  • Uninsured Motorists/Underinsured Motorists: Pays for your injuries and certain property damage caused by an uninsured driver, a hit-and-run driver, or when the at-fault driver has insufficient insurance to cover the loss.
  • Comprehensive: Pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils such as animal collision.
  • Collision: Pays for damage to your vehicle when it hits or is hit by another object.
  • Hired & Non-Owned Auto Liability: Covers claims against your business if an employee has an accident while using his or her own (or rented) vehicle for business purposes.


Speak with an H&A insurance advisor to discover all your options.

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 us 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.