Commercial Auto Insurance
Understanding Commercial Auto Insurance
Commercial auto insurance is a type of insurance that protects businesses that use vehicles for business purposes. It includes cars, trucks, vans, and other commercial vehicles.
Of course, in your day-to-day business activities, you might encounter minor to major business-related accidents, and that’s where commercial auto insurance comes in handy.
It can help cover the costs of damages and injuries that occur. Moreover, it can help protect businesses from liability if their employees are involved in an accident while driving a business-owned vehicle.
In a nutshell, commercial auto insurance can help protect your business from financial loss if your business is involved in an accident.
Who Needs A Commercial Auto Policy In Ohio?
Specific Industry's Who Need Commercial Vehicle Insurance

Food Vendors and Caterers

Plumbers, Electricians, and HVAC Technicians
A commercial auto policy may be necessary if plumbers and electricians use their vehicles for business purposes. It could include transporting tools or materials or traveling to multiple job sites. A commercial auto policy will cover any damages or injuries if the plumber or electrician is involved in an accident while using their cars for business.
As an HVAC technician, you are responsible for maintaining and repairing heating, ventilation, and air conditioning systems. You may work in both residential and commercial settings, which can be physically and mentally demanding. Because of the nature of your work, it’s essential to have commercial auto insurance that will protect you in the event of an accident.


Landscapers and Similar Providers

Painters, Carpenters, and other types of Contractors


Auto Mechanics
Commercial auto insurance for auto mechanics is an important type of insurance for those who work in the automotive industry. Auto mechanics need commercial auto insurance for a variety of reasons.
First, they will need this type of insurance to protect their business assets if they own a business.
Secondly, their employer may require this insurance if they work for someone else.
Finally, if they use their car for business purposes, they must ensure that it is properly insured.
Bakeries
With commercial auto insurance coverage, companies can protect their cars from damages that may occur while they are in use.
In addition, commercial auto insurance will also protect the bakery if one of its employees is involved in an accident while driving a company vehicle.
When it comes to running a bakery, there are a lot of things to keep in mind to ensure the success of your business. One of the most important things to consider is commercial auto insurance. Here are three tips to help you find the right commercial auto insurance for bakeries:
- Ensure you are properly insured: This may seem like an obvious tip, but it is important to ensure that you have the right type and amount of insurance for your business. It would help if you spoke to your insurance agent to ensure you are properly covered.
- Consider your business needs: Every business is different, so you will need to tailor your insurance coverage to fit the specific needs of your bakery. Make sure to consider the type of vehicles you use, how often they are used, and what they are used for.
- Get quotes from multiple insurers: It is important to get quotes from various insurers to find the best rate for your business. At Ellerhorst Russell we have multiple carriers to give you options.
Bakeries typically purchase commercial auto insurance to protect themselves from the financial risks of owning and operating a vehicle.
By having the proper insurance in place, bakeries can help ensure that they can continue operating in the event of an accident or other covered event.


Cleaning Services
As a cleaning service professional, you understand the importance of having the right insurance to protect your business. There are a few things to remember when shopping for commercial auto insurance for cleaning services.
The first is that the type of vehicle you use will affect your rates. If you have a van or truck that you use for your business, you will likely pay more for your insurance than if you have a car. Secondly, the size of your business will also affect your rates. A larger company will usually pay more for insurance than a smaller one. Finally, the type of work you do will also affect your rates. If you drive a lot, you will likely pay more for your insurance than if you do not.

Snow Plow Services
Most states require that professionals carry a commercial auto policy when operating a snow plow. This policy provides coverage for vehicles used for business purposes and typically includes higher limits than a personal car insurance policy.
If you’re operating a snow plow without the proper insurance, you could face significant penalties, so it’s important to ensure you’re properly covered.


Sales Personnel

Real Estate Professionals





Types of Insurance Offered at Ellerhorst Russell Insurance Agency
Ellerhorst Russell Insurance Agency LLC offers a variety of insurance products to meet the needs of individuals, families, and businesses. The agency provides both personal and business insurance coverage.
While personal insurance covers auto, boat, watercraft, homeowners, motorcycles, Life, RV, and private umbrella insurance.
Business Insurance caters to commercial auto insurance, auto dealer insurance, Marine dealer, body shop, commercial umbrella insurance, office, retail, manufacturing, contractors, farm, and bond insurance.
Why is Commercial Auto Insurance Important?
Commercial auto insurance is important for businesses because it can help protect them from liability if one of their employees causes an accident while driving a company vehicle. The business could be sued for damages if an employee is found at fault for an accident.
Here are examples of risks that commercial auto insurance can help protect against:

Liability Coverage
Physical Damage and Collision Protection


Medical Payment and Lawsuit Coverage
Commercial auto insurance is such a savior when it comes to protecting you from financial losses if you are sued or if you are responsible for someone else’s injuries.
If you do not have commercial auto insurance, you may be required to pay for the other person’s medical expenses and damages out of your pocket.
Comprehensive Coverage

Protection beyond personal auto Insurance policies
Commercial auto insurance is indubitably important for several reasons.
First, it can provide vehicle coverage not covered by personal auto insurance policies.
Second, it can protect what is offered by personal auto insurance policies.
Third, commercial auto insurance can be customized to meet the specific needs of a business, which may not be possible with personal auto insurance.
Finally, commercial auto insurance can protect a business in the event of a lawsuit.
Optional Add-ons for even more security

What else does commercial auto insurance cover
Why is Commercial Auto Insurance Important?

Medical expenses that are unrelated to an accident when an employee is driving a company vehicle
The contents inside your business vehicle
Accidents that occur when an employee drives a personal vehicle for business reasons
Suppose you use your vehicle for business purposes. In that case, this includes commuting to and from work, running errands, and any other personal use; commercial auto insurance will not cover the possibility of any damages.
Many insurance companies view business drivers as riskier than personal drivers. That’s why you may need auto insurance that specifically covers driving for work purposes.
Repairs to a rental vehicle you are driving while waiting for your company car to be fixed after an accident

Recap on Business Automotive Insurance
Commercial auto insurance is vital for businesses relying on vehicles to conduct operations. It can help protect your business from accidents, theft, or other damages. While it is not mandatory in all states, it is always a good idea to have coverage in case of an unforeseen event.
If you’re looking for reputable and trusted commercial insurance in Ohio, Ellerhorst Russell Insurance Agency LLC is one of the most reliable insurance agencies for your business in Ohio. In addition to commercial auto insurance, Ellerhorst Russell Insurance Agency LLC also offers personal insurance, business, and farm insurance
Contact them today, and they will work closely with you to ensure they understand your needs and protect you accordingly!
What Sets Ellerhorst Russell Apart?
You may wonder what makes this full-service insurance agency the best and what differentiates it from others. Well, here is why:
- Ellerhorst Russell Insurance Agency LLC offers a variety of flexible payment options to meet the needs of its clients.
- They understand that not everyone has the same financial situation, so they offer a variety of payment plans to fit each client’s budget.
- They also offer various insurance plans, so their clients can get the coverage they need at a flexible price.

Advantages of Working with Ellerhorst Russell Insurance Agency LLC
Did you know that Ellerhorst Russell Insurance Agency is one of the leading insurance agencies in Ohio specializing in business insurance, and experts in commercial automotive insurance? Aside from being in business for over ten decades, they have a reputation for providing their clients with quality and timely insurance products and services.
There are many advantages to working with Ellerhorst Russell Insurance Agency. Be sure to have all your insurance needs covered because;
- They offer comprehensive insurance coverage to protect you from various potential risks.
- The agency has a team of experienced customer service representatives available to answer questions and help policyholders with their insurance needs.
- Ellerhorst Russell Insurance Agency also offers a variety of online tools and resources to help policyholders manage their insurance coverage.
If you are looking for a reliable and reputable insurance agency to work with, then Ellerhorst Russell Insurance Agency is a great choice. They will be able to provide you with the coverage you need at a price you can afford.
Contact them today to get started on your insurance needs.