Commercial Vehicle Insurance
Protect your business from risks associated with your company's vehicles and continue operations on the road.
Protection from Unforeseen Challenges on the Road
Safeguard your business's fleet and ensure the smooth operation of your vehicles.
At Manna Insurance, we specialize in commercial vehicle insurance and understand the unique needs and risks faced by businesses reliant on transportation.
Whether you operate a small delivery service, manage a large trucking fleet, or have any other transportation needs, we can tailor a policy that precisely fits your organization’s requirements.
We will work to ensure that your business can move forward confidently, and you can rest assured that you have a reliable partner to back you up in case of accidents, liabilities, or unforeseen challenges on the road.
So what coverage do I need?
A Menu of Protection for Your Business On Wheels
Liability
Like, “Oops! My bad.” This is your all-important safety net if your business vehicle accidentally bumps into someone or something. It covers bodily injury and property damage costs.
Collision
Ever have a fender-bender? Collision coverage is like having a magical repair wand. It swoops in to fix your ride when you collide with something, whether it's another car or a mailbox.
Comprehensive
When mysterious things happen to your vehicle—like theft, vandalism, or nature getting a little too wild—comprehensive coverage steps in.
Rental Reimbursement
When your ride needs time at the mechanic, rental reimbursement covers the cost of renting a substitute vehicle.
Hired & Non-Owned Auto
If your team uses their own cars for business errands or you rent vehicles occasionally, this coverage provides liability protection.
Loading & Unloading Liability
This coverage protects against accidents while loading or unloading your vehicle.
Non-Owned Trailer
When you're hitching up someone else's trailer, this shields you against liability in case of trailer-related mishaps.
Medical Payments (MedPay)
Picture this as the first-aid kit for you and your passengers. If anyone gets hurt in your vehicle, MedPay helps with medical bills.
Underinsured/Uninsured Motorist
This coverage is there to help when you meet a driver with little or no insurance.
Cargo
If your business involves hauling valuable goods, cargo insurance shields your cargo from theft, damage, or disappearing acts during transport.
Towing & Roadside Assistance
When your vehicle goes "kaput," this coverage swoops in with a tow truck or helps with flat tires, jump-starts, and even fuel delivery.
Electronic Equipment
Got fancy gadgets in your vehicle? This coverage ensures they're safe.
Drive Other Car
If you or your team use personal cars for work here and there, this coverage spreads protection to those vehicles.
Specialized Coverage
Depending on your business type, you might need unique coverage. Whether you're towing, delivering, or doing something extraordinary, there's a solution for that.
Ways to Save on Commercial Vehicle Insurance
Encourage safe driving habits among your employees, provide driver training, and monitor driving records to maintain a clean claims history. Insurers often offer lower premiums to businesses with a strong safety track record.
Safe Driving
Review and customize your commercial vehicle insurance policy to match your specific business needs. Ensure you're not over-insured and that your coverage aligns with your fleet's usage and value.
Customized Coverage
Regularly maintain and upgrade your commercial vehicles to reduce the risk of accidents and breakdowns. Well-maintained, newer vehicles often qualify for lower insurance premiums.
Fleet Management
Frequent Questions About Commercial Vehicle Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about commercial vehicle insurance coverage.
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Yes, in most states, it's a legal requirement to have commercial vehicle insurance if you use vehicles for business purposes. The minimum required coverage can vary by state.
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Commercial vehicle insurance can cover a wide range of vehicles, including cars, trucks, vans, delivery vehicles, trailers, and specialized vehicles used for business activities.
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If you primarily use your vehicle for personal purposes but occasionally use it for business, you may not need full commercial vehicle insurance. However, let us know about any business use to ensure you have the appropriate coverage.
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Employees driving business vehicles should typically be covered under the business's commercial vehicle insurance policy. However, individual employees may need to have their own coverage if they use personal vehicles for business purposes.
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Personal auto insurance typically does not provide adequate coverage for vehicles used primarily for business purposes. It's essential to have a separate commercial vehicle insurance policy to ensure proper protection.
More Coverage Options
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Auto Insurance
Whether you have a car, a truck, or SUV, ensure your coverage is right for your needs.
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Employee Benefits Insurance
Healthy employees, healthy operations. Keep your team feeling good with strong medical and benefit plans in reach.
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Umbrella Insurance
An extra layer of financial protection that extends beyond the limits of your primary insurance policies.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.