Coverage Details

What Does Commercial Auto Insurance Cover?

Bodily Injury Liability Coverage

Payments are provided for bodily injury or death resulting from an accident where you are at fault.

Property Damage Liability Coverage

Protection is offered for damage caused by your vehicle to another person’s property.

Medical Payments, No-Fault, or Personal Injury Coverage

Medical expenses for an employee or passenger in your vehicle are covered, regardless of who is at fault in an accident.

Uninsured Motorist Coverage

Medical expenses or property damage caused by a hit-and-run driver or an uninsured driver are included. Some policies may also offer underinsured motorist protection.

Comprehensive Physical Damage Coverage

Damages resulting from theft, vandalism, flood, fire, and other specified hazards are addressed.

Collision Coverage

Payment is provided for damage caused by collisions with another object or vehicle.

Combined Single Limit Liability

A single maximum dollar amount is established for an entire claim, regardless of whether it involves one person’s injuries or multiple injured parties.

Product Highlights

  • Guaranteed cost coverage with $1 million Combined Single Limit
  • Insurance Service Office’s (ISO) multi-state forms and endorsements
  • Broadened who is insured to include:
    • Insures subsidiaries and newly acquired or formed organizations for a limited period
    • Employees & lessors are insured
    • Vehicles owned by the executive officers or their spouse that are used primarily for business purposes
  • Auto Enhancement Endorsement, including multiple enhancements:
    • Increased supplemental payments, transportation expenses, and loss of use expenses
    • Fellow employee coverage language
    • Autos rented by employees
    • Gaps in auto loans or leases
    • Loss to hired auto (physical damage coverage)
    • Amended duties in the event of accident, claim, suit, or loss
    • Waiver of Subrogation
    • Unintentional failure to disclose hazards
    • Mental anguish that results from bodily injury

Services

Berkshire United combines expertise and a service mindset to ensure all customers receive exceptional customer care. Our in-house team provides proactive communication, quick action, and personalized solutions. 
 
Different coverages need different resolutions, but our belief is that all customers need a claim to be easy to report and resolved as quickly as possible to protect their business. From Loss Control experts to one point of contact with our Client Services team, we make managing your insurance needs simplified and straightforward.

Loss Control

Our Loss Control services are designed to help you minimize risks and prevent losses common to your industry. Our seasoned professionals offer expert advice and practical solutions. 

Client Services

We provide a single point of contact who can offer support, answer questions, provide training, and coordinate with all other Berkshire United team members to ensure seamless communication.

Claims

Berkshire United offers comprehensive services to help resolve claims quickly. From commercial auto to workers compensation – and everything in between – we understand the need to resolve the claim in the best, most efficient way possible so you can get back to business.