Business Auto Insurance

All manner of businesses find themselves in need of business auto coverage – even many that don’t realize it’s necessary. Most small business owners especially feel that if they don’t own and operate company vehicles, then they are exempt from the need for business auto insurance. That isn’t always the case though.

At Johl & Company we will work with you to determine what your business needs in terms of business auto coverage insurance. We’ll also work with you to provide the best possible protection at the right price to meet the needs of your business – no matter how large or small.

Who Needs Business Auto Insurance?

There are some businesses that are more obvious about the necessity for business auto insurance than others. Obviously businesses that operate several vehicles in their services, such as plumbing or HVAC businesses, need business auto insurance to cover their vehicles and the equipment their vehicles carry. Services that transport passengers, like buses and taxis, also need business auto coverage. We can help with all types of business auto policies including private passenger vehicles, delivery vehicles, and commercial trucks.

Some businesses, though, are surprised to discover that they need business auto insurance, since the business itself doesn’t own vehicles. This would include restaurants and florists that provide delivery. The employee making deliveries usually own the vehicle and pay insurance for their vehicles. However, in the event that an accident occurs in which these drivers are at fault, the business may be found liable for judgments in excess of the employee’s insurance.

Another instance where businesses need insurance for vehicles the business doesn’t own is when employees use their personal vehicles to run errands on behalf of the business. It’s the same concept that works for delivery drivers. The business can be found liable for awards that exceed the limits of an employee’s liability insurance coverage.

In both situations, the business will need to invest in business non-owned liability coverage to bridge the gaps in coverage.

What Types of Coverage does Your Business Need?

Aside from the possibility of non-owned liability coverage, most businesses that operate vehicles for the sake of the business will need the following auto coverage at minimum. Companies that operate large fleets of vehicles, that transport potentially dangerous materials, or that transport high-value items will need specialized insurance coverage. Working with an independent insurance agency like Johl & Company will help determine whether or not your insurance needs surpass those of traditional business auto insurance policies.

Otherwise, the average business needs the following types of auto insurance coverage at minimum:

General Business Auto Liability

This type of insurance extends to bodily image liability as well as property damage. This type of insurance covers injuries done to other people by your vehicles or to property owned by other people.

Medical Payments Protection

This coverage extends to medical expenses for passengers and drivers of business vehicles in the aftermath of an accident.

Collision Insurance

Covers repairs to business-owned vehicles after collisions with other vehicles or objects.

Comprehensive Coverage

This protects business vehicles from damages done by incidents of vandalism, theft, or acts of nature.

Uninsured/Underinsured Motorist Coverages

This type of coverage helps bridge the gaps that occur when an accident is the fault of someone who has inadequate insurance to cover the medical expenses or repairs to company vehicles.

How Can Johl & Company Help?

Johl & Company has served the insurance needs of New Jersey residents and businesses since 1963. We’re carrying the same commitments of customer service, fairness, and integrity into our next 50 years of business so we can continue to serve you, our friends, family, and neighbors.

Call Johl & Company at 877-774-7382 today to get a free rate quote and to learn more about your business auto needs. Or, visit us online to see what our customers have to say about our products and services.

Talk to Us! Let us know how we can help

Contact us today for a free quote for both personal and business coverage.

What Our Clients Say

  • reviews

    I would like to start by saying my experience with your agency has been amazing. I have been a customer for a few years. When I first stepped foot in your office I was close to loosing my car insurance coverage with my old provider, some places were turning me away and I was receiving high quotes from other companies. Your agency was the only one that took their time with explaining my options and providing the best insurance coverage that suits my needs. Your knowledge in this field helped to educate me with my decisions.

    – Yadira B, Garfield, NJ

  • reviews

    Just a few words of appreciation. The Kozma/Johl Insurance agency have insured my home and automobiles etc. for the past fifty years, during this period I had a few problems which were resolved without incident. The agencies associates were very professional in resolving these claims and I was more than satisfied with the results.
    Furthermore I will recommend the agencies services to my family and friends without reservation. Once again thank you

    – Carl H., Elmwood Pk, NJ

  • reviews

    Two years ago, I needed insurance for my newly purchased condo. When I reached out to my good friend Drew Stolz for advice, he not only assisted but was also able to get me car insurance, bundled with the condo policy for a cheaper price! He immediately found an affordable plan and explained all the details in ways I could understand. Every year on the annual date, he looks to find the best coverage plan and also one that is the most affordable. I am so grateful for Drew’s assistance.

    – Kim L., Granby, CT

  • reviews

    I have been a customer of Johl & Co for many years, both for my business and personal insurance. Over the entire time, I have been treated with best in class service along with competitive rates. Everyone at Johl that I have dealt with over the years has always been able to address any question, claim or concern in the most prompt professional manner. I would strongly recommend Johl & Co. to anyone for all their insurance needs.

    – Bob K., Englewood Cliffs

  • reviews

    As far as the John Johl Company, I have been a customer for I want to say like 22 plus years. I have been more than satisfied not only with the coverage , but with the service as well. You are there when I need you and you take the extra step to ensure the best coverage and the best options for Kathy & my peace of mind.
    Geiko , Progressive who ??? I Always refer you…..

    – Mark N., Lyndhurst, NJ