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Commercial auto insurance for healthcare facilities

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Commercial auto insurance

Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.

Commercial auto insurance provides financial protection against auto accidents

A vehicle accident could cause lasting financial damage to a small healthcare facility, especially if another person is injured. When you compare the potential cost of an auto accident to the premium for commercial auto insurance (about $140 per month for small businesses), it's easy to see which is the better deal.

Commercial auto insurance is required in most states for business-owned vehicles, which makes this policy indispensable.

How does commercial auto insurance protect you?

Commercial auto insurance helps cover the cost of lawsuits, property damage, medical bills, and other expenses arising from an accident. It also provides coverage if your vehicle is stolen or damaged by weather or vandalism.

Your policy can be tailored to match your needs. For example, a van owned by a dental lab that makes deliveries once a week requires less coverage than a mobile dialysis unit that's driven daily.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Business-owned vehicles such as service vans and company cars must be covered by commercial auto insurance.

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

What coverage can commercial auto insurance provide for healthcare facilities?

Beyond your state's requirements, you can choose the extent of coverage for company vehicles at your healthcare facility. Your policy may cover:

Legal expenses

If your dialysis center or other healthcare facility is sued over an accident, legal defense costs can add up quickly. Commercial auto insurance covers attorney’s fees and related expenses.


Collision coverage pays for damage to your medical company's vehicle, regardless of fault.

Uninsured motorists

This coverage pays for damage caused by drivers who don’t have insurance.

Non-collision damages

Comprehensive insurance covers non-collision damages, including vandalism, theft, and fire.

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Personal vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own cars for work errands. Personal auto policies almost always exclude coverage for business use.

Hired and non-owned auto insurance provides liability coverage for medical office employees and other healthcare workers who get into an accident while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.

Other important policies for healthcare facilities

While commercial auto insurance is a must-have for companies that own a vehicle, it does not protect against patient injuries, property damage, or cyber risks. Other insurance policies that protect healthcare facilities include:

General liability insurance: General liability covers common third-party claims, such as a slip-and-fall injury at your healthcare facility.

Business owner’s policy: A BOP combines general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

Workers’ compensation insurance: Required in almost every state for healthcare facilities that have employees, workers’ comp can cover medical costs for work injuries.

Professional liability insurance: Also known as errors and omissions insurance or malpractice insurance, this policy can help cover legal expenses related to work mistakes and negligence.

Cyber liability insurance: This policy provides financial protection against cyber risks, such as a data breach that exposes sensitive medical records.

Get free quotes and buy online with Insureon

Are you ready to safeguard your healthcare facility's vehicle with commercial auto insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

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Updated: May 4, 2022

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