Contact Us ☰ ˟
Logo
Contact Us
  • Home
  • Products
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Auto Accident Claim
      • Auto Change Form
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Property Loss Claim Form
    • RentersImage of right arrow
      • Renters Insurance Home
      • Renters Insurance Quote
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
      • Renters Property Loss Claim Form
    • FarmImage of right arrow
      • Farm Insurance Home
      • Farm Quote Request
      • Livestock Insurance
    • LifeImage of right arrow
      • Life Insurance Home
      • Term Life Insurance Quote
    • MotorcycleImage of right arrow
      • Motorcycle Insurance Home
      • Motorcycle Insurance Quote
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Motorcycle Accident Claim
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Home
      • Recreational Vehicle Insurance Quote
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
    • Restaurant
    • Watercraft & BoatImage of right arrow
      • Watercraft & Boat Insurance Home
      • Watercraft Insurance Quote
      • Request Declaration and Coverages Page for Watercraft Policy
      • Watercraft Accident Claim
    • Other Personal Lines
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto InsuranceImage of right arrow
      • Commercial Auto Insurance Quote
      • Commercial Auto Accident Claim
      • Request ID Card for Commercial Auto Policy
    • TruckingImage of right arrow
      • Trucking Insurance Home
      • Truck Quote Request
    • General LiabilityImage of right arrow
      • General Liability Quote Form
      • Request General Liability Certificate of Insurance
  • Customer Service
    • Customer Service Forms
    • Make a Payment
    • Report a Claim
    • Refer a Friend
    • Policy Review Request
    • Insurance Glossary
    • Privacy Policy
    • Secure File Area
    • The Advantages of Using a Real Estate Agent
  • Contact Us
    • Contact UsImage of right arrow
      • Follow Us on Facebook
      • Join our Newsletter
    • Our Locations
    • Employee Directory
    • Company Links
  • Blog
Icon

Personal

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Agriculture & Crop

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Real Estate

Looking for a home? Let us help find the right one for you.

See Our Listings
Home > Commercial Auto Insurance | Heritage Insurance Group - Iowa

Commercial Auto Insurance


Commercial Auto Insurance Information

Commercial Auto Insurance in Iowa


As a full-service, independent insurance agency, Heritage Insurance Group strives to offer only the best in personalized insurance services to all Iowa residents. If you’re a resident of Scranton or the surrounding region, then we’re here to make your search for quality benefits simple, efficient and affordable.  

All commercial vehicle owners in Iowa require commercial auto insurance. It’s critical assistance that will help you protect company vehicles, employee drivers and cargo in transit against any roadway hazards or unexpected vehicle accidents. Don’t try to get behind the wheel without it.  

Call us at 712-652-3344 or request your free commercial auto insurance quote now!  

Common Commercial Auto Insurance Questions  



Why do I need commercial auto insurance?  


When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be one of the parties to suffer should something happen to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance throughout the recovery process, and as a result your company won’t face financial setbacks just because an accident occurred.  

Who needs commercial auto insurance?  

Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specializes coverage terms that are designed to protect the company’s investment in the vehicles.  

Various vehicles and drivers might need to be covered a commercial auto policy. These include:  

  • Vehicles owned by a business

  • Employees who drive their personal cars on business-related errands

  • Company cars provided to employees for commercial and private use

  • Vehicles hired or rented by the business

  • Certain personal vehicles that qualify as commercial due to their weights or sizes


What does commercial auto insurance cover?  

The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:  

  • Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property Damage Liability Coverage: This pays for damage to the other party’s property.

  • Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.

  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.

  • Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Additionally, other policies and endorsements might help you expand your benefits, such as:

  • Inland Marine Insurance

  • Roadside Assistance

  • Rental Car Reimbursement

  • Custom Parts Coverage

  • Replacement Cost Vehicle Coverage

  • Gap Insurance


Is commercial auto insurance required?  

Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you.  

Regardless of any coverage requirements, the benefits you will receive by investing in higher levels of coverage (even when it is optional) will ensure you have a high degree of protection available in the event of any particularly challenging vehicle mishap.  

How much does commercial auto insurance cost?  

Numerous factors can influence the costs of commercial auto insurance, including the types and amounts of coverage you buy, the location of your business and the value of the vehicles to be insured.  

Our agents are committed to working with you to optimize benefits in ways that will still keep them affordable, even as you build upon your coverage to ensure you receive the highest level of protection.  

Contact Us Today!
800-850-2263

Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

Jefferson Office: 515-386-2728
Coon Rapids Office: 712-999-2263
Audubon Office: 712-563-9584
© Copyright. All rights reserved. | Powered by Insurance Website Builder