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Moffatt Insurance Agency logo

Troy, OH

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Commercial Business Owners Insurance

Business and Commercial Insurance

Same-Day Response | Free Quotes | 85+ Years of Experience

Free Quotes

Same-Day Response

85+ Years of Experience

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Hours:

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Commercial Auto

As a business owner, you need the same kind of insurance coverages for the car you use in your business as you do for a car used for personal travel – liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.


If a car is owned by the business, make sure that the "principal insured" in the policy is the name of the business rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.


While the major coverages are the same, a business auto policy differs from a personal auto policy in some technical aspects. Know more about these options when you get in touch with First Group Insurance Agency. For a fast and FREE quote, call (937) 863-8633.

General Liability

If you have a personal umbrella liability policy, there's usually exclusion for business-related liability. Make sure you have sufficient auto liability coverage.


In case your business is sued or held legally responsible for property damage or personal injury on your business premises, the general liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection. 

Broad Range of General Liability Protection:

  • Bodily Injury: Includes the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage: Covers the physical damage to property of others, or the loss of use of that property
  • Products-Completed Operations: Provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or services your company provided
  • Products Liability: More specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability: Extends to any liability you may assume by entering into a variety of contracts

Other Coverage Includes:

  • Reasonable use of force
  • Borrowed equipment
  • Liquor liability         
  • Non-owned vehicles (such as aircraft and watercraft)
  • Fire, lightning or explosion damage
  • Water damage liability protection
  • Legal defense costs
  • Medical payments
  • Personal injury
  • Advertising injury
  • Specialized liability protection for specific business types

Commercial Auto Insurance Quotes

Call Today

(937) 863-8633

(937) 863-8633
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"Greg and Heather, Thanks for all the service you provide to me for my insurance needs. Not only are you a caring company you are like family. Nobody can compare to you or the insurance that you provide."

Bill Hermiller, Fairborn, OH

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