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Business Auto Insurance with Union Mutual – Available in Maine and Vermont

A business auto policy provides physical damage and liability coverage for commercial fleet and non-fleet vehicles.  A commercial auto policy may be applicable for a corporation, partnership or an individual with vehicles operating primarily with a 200 mile radius of their business.   $1,000,000 liability coverage limits are available with options to purchase commercial umbrella coverage over the auto.

Coverage is available for the following types of vehicles:

  • Private passenger autos
  • Trucks up to 45,000 pounds (GVW)
  • Service & Utility Trailers
  • Antique autos
  • Farm vehicles
  • Snow-mobiles
  • Golf-mobiles

Our business auto policy includes the following built-in features:

  • Coverage for newly acquired vehicles or replacement vehicle coverage if company is notified with 30 days of purchase (if all other commercial vehicles are insured with Union Mutual)
  • Trailers with a load capacity of 2,000 pounds or less are covered for liability while being carried or towed by a covered vehicle
  • Out of state coverage – automatically increases the liability limits to meet that state’s minimum liability requirements

Supplemental Payments:

  • All expenses the insurer incurs
  • Up to $2,000 for the cost of bail bonds that are required due to a covered accident
  • Reasonable expenses incurred by you at the Company’s request including lost wages up to $250 per day

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Still looking for more?  We’ve got you covered.

Our business auto enhancement provides coverage for many additional exposures including (but not limited to):

  • Broadened definition of “who is an insured”
  • Increased medical payments coverage up to $10,000 Medical Payments Coverage is doubled but not to exceed $10,000.
  • If you have named the Lessors of your Long-term leased auto as an Additional Insured and suffer a total “loss” we will pay your legal obligation owed for any difference between the actual cash value (ACV) of the insured auto and the outstanding lease balance to the Lessor.
  • Increased towing for private passenger autos or light trucks when comprehensive and collision coverage applies
  • Increased transportation expenses
  • Deductible waiver if glass is repaired rather than replaced

How much will it cost?

Contact your local agent for a free quote.  Also ask them about available discounts you may be eligible including our:

  • Loyalty Discount
  • Companion Policy Discount (available if we write your business owner or home owner’s policy)