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Whether your business runs on a single delivery van or a fleet of trucks, your vehicles are the lifeline of your operations. Every mile driven carries a purpose—and a bit of risk. A sudden accident, vehicle damage, or lawsuit can put a dent in your profits and slow your business down. That’s why commercial auto insurance from RG Insurance ~A Strong Company is more than just a policy—it’s your business’s protection on the road.
Let’s take a closer look at why having the right commercial auto coverage matters and how it can keep your business moving no matter what happens out there.
Fleet Protection
From small cars to cargo trucks, we help you cover the vehicles that keep your business running. Whether it’s one or one hundred, we’ll make sure you’re protected against damage, theft, or liability.
Driver Safety
Your team is out there every day representing your brand. With commercial auto coverage, your employees and passengers stay protected if an accident happens—on or off the clock.
Quick Repairs
When downtime means lost income, speed matters. Our coverage helps you get vehicles repaired or replaced quickly so you can get back to business fast.
Why Commercial Auto Insurance Matters
Personal auto policies don’t cut it when your vehicle is being used for business. Commercial vehicles face greater risks—higher mileage, heavier loads, and more time on the road. A single accident could lead to thousands in damages, legal expenses, and lost productivity. Commercial auto insurance gives you the financial protection and confidence to operate safely every day.
At RG Insurance ~A Strong Company, we work with businesses across all industries—from contractors and delivery services to real estate and catering companies—to customize policies that match your needs and your budget. Because no two businesses (or vehicles) are the same.
What’s Covered Under Commercial Auto Insurance?
A comprehensive commercial auto policy does more than just fix your vehicle—it protects your drivers, your company, and your finances. Here’s a breakdown of common coverage types included in most commercial auto insurance plans:
| Coverage Type | What It Covers |
|---|---|
| Liability Coverage | Protects your business if your driver causes injury or property damage to others in an accident. |
| Physical Damage | Pays for repairs or replacement if your vehicle is damaged in an accident, by weather, or from theft or vandalism. |
| Medical Payments | Covers medical expenses for your driver and passengers, regardless of fault. |
| Uninsured/Underinsured Motorist | Protects you if your vehicle is hit by a driver who has no insurance or not enough coverage to pay for damages. |
| Hired & Non-Owned Auto | Extends coverage to vehicles your business rents or employees use for company errands. |
How Commercial Auto Insurance Protects Real Businesses
Consider this: A delivery van carrying equipment rear-ends another vehicle on a busy street. The damages total $85,000, and three people are injured. Without commercial auto insurance, the company would have to pay those expenses out of pocket—plus cover legal fees and lost work time. But with proper coverage, the business continues operating without major financial loss.
These real-world situations happen more often than many business owners realize. Commercial auto coverage is what keeps a bad day from becoming a financial disaster.
Coverage That Fits Your Business
Your business is unique, and your coverage should be too. We’ll help you find the right protection whether you operate locally or across multiple states. We look at factors like the type of vehicles you use, what they carry, and where they travel. The result? Commercial auto insurance that fits your business like a well-tuned engine.
Here’s a quick overview of how different industries typically use this coverage:
| Industry | Typical Vehicles | Common Risks Covered |
|---|---|---|
| Construction & Contractors | Trucks, trailers, work vans | Equipment transport, property damage, third-party injury |
| Delivery & Courier Services | Cargo vans, delivery cars | Collision damage, driver injury, lost goods |
| Real Estate & Sales | Company cars, SUVs | Accidents during client visits or property showings |
| Food & Catering Services | Refrigerated trucks, service vans | Food spoilage, liability from road accidents |
The Emotional Side of Protection
When you hand over the keys to your employees, you’re placing trust in them—and in your coverage. Commercial auto insurance provides more than financial protection; it offers peace of mind. Knowing that your people, vehicles, and reputation are protected allows you to focus on what really matters: growing your business, serving your customers, and driving success forward.
Why Work with RG Insurance ~A Strong Company?
At RG Insurance ~A Strong Company, we specialize in helping businesses like yours find the right coverage at the right price. Our team understands that no two companies are alike, so we take the time to learn about your operations, drivers, and goals. We work with top-rated insurance carriers to provide competitive options that meet your needs without cutting corners.
We’re not just a voice on the phone—we’re your local partner. Call us anytime at 218-828-1310 to review your policy, update coverage, or ask questions about claims. We’re here to keep your business protected, mile after mile.
Personalized Service
We get to know your business so we can design commercial auto coverage that fits exactly what you need—no more, no less.
Cost-Effective Solutions
We find ways to balance strong protection with affordable premiums, so your insurance investment works as hard as your business does.
Responsive Support
Accidents don’t wait for business hours—and neither do we. Our local team is ready to help you when it matters most.
Drive with Confidence
Every trip your team takes is part of your business journey. Make sure you’re protected for the road ahead. With commercial auto insurance from RG Insurance ~A Strong Company, you get reliable coverage, dedicated service, and the peace of mind that lets you focus on your business—not the “what-ifs.”
Call us at 218-828-1310 or click below to request a quote today. Let’s make sure your business stays protected—mile after mile, year after year.
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