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Commercial auto insurance can protect your business from financial loss due to an auto accident. The following physical damage coverages are available:

  • Collision: Pays for a loss to your auto or equipment caused by a collision of a covered auto with another object or an overturn of the covered auto
  • Comprehensive: Pays for a loss caused by glass breakage, hitting a bird or an animal, or falling objects or missiles
  • Specified causes of loss: Pays for loss to a covered auto or its equipment caused by fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief or vandalism
  • Towing and labor: Pays for towing and labor costs incurred when a covered private passenger auto is disabled

Supplementary coverages and endorsements include:

  • Auto medical payments insurance: Provides sources of medical expense reimbursement for policyholders and their passengers injured in auto accidents
  • No-fault (personal injury) protection: Pays regardless of which party was at fault, guaranteeing you recovery in the event of a loss, where available
  • Uninsured and underinsured motorists coverage: Recovery for those injured in an accident caused by an at-fault motorist without an adequate amount of bodily injury liability coverage to pay for any or all of the damages

Find an agent

A local independent insurance agent near you can help you find the right insurance for your needs.

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Loss Control

EMC offers extensive driver safety and fleet resources to help you prevent losses.

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