Does your practice own or lease vehicles? Do employees ever use personal cars for work, or rent a vehicle while traveling for business? If so, your business needs more than basic coverage. Whether it’s protecting your assets or covering accidents, having the right insurance ensures your vehicles and your practice are safeguarded against the unexpected.
Business Auto Insurance
Who we provide cover for
We provide business auto insurance for a wide range of healthcare providers, including medical practices, clinics, and hospitals, and ambulance fleets. Whether your practice owns or leases commercial vehicles or your employees occasionally use personal vehicles for business purposes, we can source tailored coverage that meets your needs.
What business auto insurance covers
Business auto insurance (or ‘commercial auto insurance’) provides essential protection for vehicles used in your medical practice for business purposes. We tailor commercial auto coverage to fit the specific needs of healthcare providers, ensuring your practice and its assets are fully protected. This includes coverage for cars, trucks, vans, and ambulances—including fleet ambulance auto insurance—used to transport medical staff, equipment, or supplies. Key coverage options include:
- Liability coverage for bodily injury and property damage caused by your vehicles.
- Physical damage coverage to repair or replace vehicles after an accident or other events like theft or vandalism.
- Medical payments and personal injury protection to cover medical expenses for drivers and passengers.
- Hired and non-owned auto coverage (HNOA) to protect your business when employees use personal vehicles or rent cars for work.
- General liability protection in case of legal claims related to vehicle accidents.
With these insurance coverages, you can make sure your vehicles are covered and your practice is safeguarded against potential risks on the road.
How much does business auto insurance cost?
Premiums vary based on several factors, including but not limited to: the type of vehicles your practice uses, the number of vehicles, how often they’re driven for business purposes, and the driving records of your employees. The level of insurance coverage and any additional coverage options—such as hired and non-owned auto coverage—also influence the cost.
We’re committed to putting your needs first and helping you manage costs proactively.
“Physicians Insurance has always been very reasonable, upfront and honest.”
David Wasserman, Executive Director Physician Organization at Congenial Healthcare
Request a free, no-obligation quote today
Is it time to examine your current policy? Remember, what you don’t know can hurt you.
The simplest way to mitigate risk is through thorough preparation. At Physicians Insurance, we are best placed to help enhance your preparedness.
With our extensive experience and deep industry knowledge, we are confident in our ability to tailor a competitively priced insurance program that addresses your unique needs.
Simply complete the form to request a free, no-obligation business auto insurance quote, and we will contact you to discuss your options.
Who we provide cover for
Is commercial auto insurance tax deductible?
Yes, commercial auto insurance is typically tax deductible as a business expense, provided the vehicles are used for business purposes.
Is commercial auto insurance required by law?
In most states, commercial auto insurance is required by law if your business owns or leases vehicles. It’s essential to have the right coverage to comply with legal requirements and protect your practice.
Do independent contractors need commercial auto insurance?
Independent contractors using their vehicles for business purposes may need commercial auto insurance, especially if their personal auto policy doesn’t cover business use. It’s important to verify coverage needs based on how the vehicle is used.
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