Why Choose Tooher-Ferraris for Commercial Vehicle Insurance?

With decades of experience in the insurance industry, Tooher-Ferraris Insurance Group is a trusted partner for businesses across various sectors. We offer customized insurance solutions that meet your business’s specific needs, providing peace of mind and financial protection in the event of accidents, theft, or damage.

Our team of experienced insurance professionals is well-versed in the nuances of commercial vehicle insurance. We work closely with you to assess your needs, identify potential risks, and craft a policy that provides optimal coverage.

Our Commercial Vehicle Insurance Solutions:

Fleet Insurance:

  • Comprehensive Coverage: Protect multiple vehicles under a single policy with coverage options that include collision, theft, and fire.
  • Flexible Limits: Customize coverage limits to match the size and value of your fleet.

Liability Coverage:

  • Bodily Injury Liability: Covers medical expenses and legal costs if you are found legally responsible for injuries caused in an accident.
  • Property Damage Liability: Provides coverage for damage to other vehicles or property resulting from an accident involving your commercial vehicle.

Physical Damage Coverage:

  • Collision Coverage: Pays for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
  • Comprehensive Coverage: Covers damage from non-collision events, such as vandalism, natural disasters, and theft.

Cargo Insurance:

  • Protection for Goods: Safeguard the cargo being transported by your commercial vehicles against damage or loss.
  • Customizable Coverage: Adjust coverage based on the type and value of cargo you regularly transport.

Non-Owned Vehicle Coverage:

  • Employee-Driven Vehicles: Covers vehicles used by employees for business purposes that are not owned by your company.
  • Rental Vehicles: Provides insurance for rented or leased vehicles used for business operations.

Driver Coverage:

  • Uninsured/Underinsured Motorist Coverage: Protects your drivers in case of an accident with a driver who lacks sufficient insurance.
  • Medical Payments Coverage: Offers coverage for medical expenses incurred by drivers and passengers in an accident.

Additional Coverages:

  • Roadside Assistance: Provides emergency support services, including towing and repair, if your vehicle breaks down.
  • Rental Reimbursement: Covers the cost of renting a replacement vehicle while your insured vehicle is being repaired.

Hired and Non-Owned Auto Coverage:

Offers protection for vehicles your business rents or doesn’t own but uses for business purposes.

No two businesses are alike, and neither are their insurance needs. We tailor our commercial vehicle insurance policies to align with your specific operations, whether you manage a fleet of delivery vans, service trucks, or long-haul transportation vehicles.

The Tooher-Ferraris Commitment

At Tooher-Ferraris Insurance Group, we are committed to providing our clients with the highest level of service and support. We understand that your business is your livelihood, and we are here to ensure that it is protected on the road. From initial policy selection to claims handling, our team is with you every step of the way, offering guidance and peace of mind.

Securing commercial vehicle insurance with Tooher-Ferraris Insurance Group is straightforward and hassle-free. Our process involves:

  1. Consultation: We start with a detailed consultation to understand your business needs and the risks associated with your commercial vehicles.
  2. Policy Design: Based on your requirements, we design a customized insurance policy that provides comprehensive coverage at a competitive rate.
  3. Implementation: Once you approve the policy, we handle all the administrative tasks, ensuring that your coverage is active when you need it.
  4. Ongoing Support: Our relationship doesn’t end once your policy is in place. We provide ongoing support, including policy reviews, updates, and claims assistance.

With our expertise, comprehensive coverage options, and commitment to customer service, you can trust Tooher-Ferraris to keep your business moving forward.

Ready to protect your commercial fleet with reliable insurance coverage? Contact us today to get a quote and explore the best options for your business.

Frequently Asked Questions (FAQs)

What types of vehicles can be covered under commercial vehicle insurance?

Commercial vehicle insurance can cover a variety of vehicles, including delivery vans, service trucks, semi-trucks, trailers, and company cars.

Is commercial vehicle insurance mandatory?

Yes, most states require businesses to carry minimum liability coverage for their commercial vehicles. However, additional coverage is recommended to protect your assets fully.

Can I add additional drivers to my policy?

Yes, you can add multiple drivers to your commercial vehicle insurance policy, however, it’s essential to ensure that all drivers meet the insurer’s requirements.

How are premiums determined for commercial vehicle insurance?

Premiums are based on factors such as the type of vehicle, its use, the driving history of the insured drivers, and the coverage limits chosen.

What should I do if one of my vehicles is involved in an accident?

In the event of an accident, ensure the safety of your driver and others involved, report the incident to the authorities, and contact Tooher-Ferraris Insurance Group to start the claims process.

Does commercial vehicle insurance cover rented vehicles?

Yes, if your policy includes hired and non-owned auto coverage, it will protect vehicles your business rents or doesn’t own but uses for business purposes.

How can I lower my commercial vehicle insurance premiums?

Maintaining a good driving record, implementing safety programs, and opting for higher deductibles can lower premiums.

What’s the difference between personal auto insurance and commercial vehicle insurance?

Commercial vehicle insurance is specifically designed for vehicles used for business purposes, offering coverage for the unique risks associated with commercial operations.

Get a Quote Today

Get in touch with us at Tooher-Ferraris Insurance Group for exceptional service and support in safeguarding your business. We’re here to guide you through every step, from policy selection to claims handling.

Call us at (203) 834-5900 or fill out our online quote form to get started.

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