Commercial vehicle insurance provides coverage for liability and physical damage, along with uninsured and underinsured motorist and medical or no-fault coverage (depending on your state laws) for you and your employees, should you experience a covered loss.

Farm Bureau makes it simple to select the coverage, deductibles and limits that work for you:

Bodily injury liability coverage protects your business if someone is injured or killed by your business vehicle. If you or an employee cause an accident, you’ll want enough liability coverage to cover a lawsuit without risking the financial future of your business.

Property damage liability covers damage to the property of others caused by your business vehicle. Again, you’ll want a limit high enough to cover the potential damage for which you or an employee may be responsible.

Collision coverage pays for damage to your business vehicle in an accident.

Comprehensive physical damage coverage pays for damage to your business vehicle due to causes other than collision, such as fire, theft, wind, hail, vandalism, larceny, explosion, animal collision, falling objects and riot or civil commotion.

Replacement cost coverage is available for an additional premium on vehicles less than three years old. In the event of a total loss, the damaged vehicle will be replaced with a new same or similar model.

Depending on your state laws, medical or no-fault coverage pays medical expense benefits. In Iowa, South Dakota, Nebraska and New Mexico, medical pays actual costs up to the limit you select for medical expenses for injury for you and passengers injured in an accident involving your vehicle. In Minnesota, Kansas and Utah, no-fault coverage pays benefits as provided by state law for you, your passengers and members of your household involved in a motor-vehicle accident (see your agent for details).

Uninsured and underinsured coverage protects you and eligible employees from bodily injury caused by other drivers without adequate auto insurance or hit-and-run drivers.

We can help you select the commercial vehicle insurance coverage that makes sense for you ― contact a Farm Bureau agent today.