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Business Auto Insurance

As a business owner, you've worked hard and done a great job to grow your business.  This also means you don't want to jeopardize everything you've accomplished if you or one of your employees is involved in a business related accident.  To help protect you, our TOMIA team will navigate the challenging waters of Michigan auto insurance.  

As you're probably aware, Michigan law requires that you carry personal auto insurance for your vehicles.  The same is true for any vehicle that you are using for the business.  Without the correct commercial auto policy, you may be exposing your business and it's assets to a high level of risk.  Not to mention, as the business owner, you could be held personally responsible for costs associated with any accident.

Our local solution providers will take time to understand your business and its needs.  We can help determine if your business needs to purchase a commercial auto insurance policy based off your company vehicles, who uses them and how, whether your employees use their personal vehicles for company business, whether you lease or hire autos, what other mobile equipment you might have, and more.

We will review the different options that exist to keep your business protected.  Then we'll put together a program with one of the many top insurers of commercial autos that best fits your particular needs.  This policy will include a number of important coverages including:

  • Liability Coverage - Protects you against judgements and other expenses when someone else suffers bodily injury or property damage as a result of your firm’s operation of a vehicle.  We will review the many coverage exclusions and limits, coverage extensions, plus reimbursement for legal costs associated with the claim or lawsuit.
  • Physical Damage Coverage - You also may require your vehicle to be repaired and/or replaced following an accident.  We'll talk about how your policy will respond as well as the limits and deductibles and how they apply, coverage extensions and exclusions.
  • Other broadening coverage options such as hired auto physical damage, which covers hired or borrowed vehicles; electronic equipment coverage, for things like DVD players and GPS units that are permanently installed in your vehicle; towing coverage; Loan/Lease Gap Coverage, if there is a difference between your covered vehicle’s value and what’s owed to the lienholder;  and more.

Contact us today for more information about Commercial Insurance or fill out our online quote form.

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Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664