Commercial auto insurance in Massachusetts is essential for small businesses that use vehicles for business purposes. It helps keep businesses protected from motor vehicle accidents by providing coverage for bodily injury and property damage to others, as well as no-fault personal injury coverage and physical damage coverage.
MA Commercial Auto Coverage Requirements
Massachusetts requires commercial vehicles to carry the same limits of coverage as personal autos. The coverage requirements for commercial auto insurance in MA are as follows:
- Bodily injury liability coverage: $20,000 per person, $40,000 per accident
- Personal injury protection (PIP): $8,000 per person
- Bodily injury caused by an uninsured auto: $20,000 per person, $40,000 per accident
5 Best Commercial Auto Carriers in Massachusetts
If you’re looking for commercial auto insurance in Massachusetts, here are the top 5 carriers to consider:
- Safety Insurance
- Arbella Insurance
- Progressive Insurance
- Liberty Mutual
- The Hartford (Commercial Auto Insurance in MA)
These insurance carriers offer reliable and comprehensive coverage options for small businesses in Massachusetts.
Choosing a Commercial Vehicle Insurance Policy in Massachusetts
When choosing a Massachusetts commercial vehicle insurance policy, it’s important to assess your business needs before investing. Commercial auto policies come with several options and coverage amounts, so selecting the right policy for your specific business requirements is crucial. For example, policies that cover multiple drivers over long distances may work well for a moving company but may not be necessary for other types of businesses.
Recommended Product: Dashboard Camera
One recommended product that can be helpful for businesses with commercial vehicles is a dashboard camera. A dashboard camera, also known as a dashcam, is a small camera that is mounted on the dashboard or windshield of a vehicle. It continuously records video footage of the road ahead and can provide valuable evidence in the event of an accident or insurance claim.
A dashboard camera can help protect your business by capturing incidents on the road, providing clear evidence of what happened. It can also help lower insurance premiums by demonstrating responsible driving and reducing fraudulent claims.
In conclusion, commercial auto insurance in Massachusetts is essential for businesses that use vehicles for their operations. It provides coverage for bodily injury and property damage, personal injury protection, and physical damage. Make sure to choose the right coverage limits and consider additional products like a dashboard camera for added protection. Consider the recommendations provided and select the best commercial auto insurance carrier and products that suit your business’s needs. Stay protected and drive safely!
(Note: The author of this blog article is not related to any provided products or services mentioned in this blog.)
- Massachusetts Commercial Auto Insurance
- Insureon – Commercial Auto Insurance in Massachusetts
- DMV MA – Commercial Auto Insurance
Maxwell Underwood, a seasoned insurance expert with over 20 years in the field, has dedicated his career to sculpting robust and sensible insurance solutions for individuals and businesses alike. Educated in Finance at the University of Chicago, he combines academic prowess with practical experience, navigating through diverse insurance products and regulatory environments. Maxwell prioritizes a client-centric approach, crafting policies that balance comprehensive coverage with economic feasibility. A respected voice in the industry, he contributes to insurance journals and speaks at forums, sharing insights drawn from his rich professional journey. His philosophy intertwines sound financial planning and thorough protection, ensuring clients’ serenity and financial stability amidst life’s uncertainties.