Commercial Auto Insurance in Jenks, OK
Commercial auto insurance is essential for any Oklahoma business that owns, leases or uses vehicles as part of its operations. Whether you manage a fleet of trucks, operate delivery vans or use a single company car, our team at HBI Insurance is ready to help you navigate your coverage options.
What Does Commercial Auto Insurance Cover? 
Unlike personal auto policies, commercial auto insurance addresses the specific risks associated with business operations, such as transporting goods, carrying tools or making client visits. Key coverage may include the following:
- Third-party bodily injury or property damage if your driver is at fault in an accident
- Repairs or replacement costs if your business vehicle is damaged in a collision, by weather or through theft or vandalism
- Damages if your car is involved in an accident, and the at-fault driver has insufficient insurance
- Medical expenses for your driver and passengers after an accident
Despite its wide coverage, it’s important to note that commercial auto insurance does not cover every situation. Exclusions often include intentional damage or illegal acts, wear and tear, mechanical breakdown, employee injuries, the use of vehicles for high-risk activities such as racing and the use of vehicles outside the policy’s coverage territory.
Who Needs This Coverage
Oklahoma law requires businesses to carry minimum liability insurance for all vehicles used for work purposes. However, many companies find that this may not be enough to financially safeguard their assets. It’s essential to assess your risks and select coverage limits that align with your operations.
Industries that commonly require commercial auto insurance include contractors, delivery services, transportation companies, real estate professionals and any business that relies on vehicles to complete their tasks. Additionally, if your business has auto loans, lenders often require coverage.
Secure a Policy Today
At HBI Insurance, we offer an instant quote tool that calculates estimated costs based on your coverage preferences and personal details. Contact us today to discuss your commercial auto insurance needs.