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Commercial auto insurance for healthcare professionals

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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 protects against the high costs of an auto accident

Your employees might be skilled drivers, but you can’t control the unexpected. An auto accident could lead to another driver getting injured, or your vehicle being totaled.

The costs could easily overwhelm a small clinic, especially if another person is harmed. Compared to the median premium of about $140 per month for small businesses, it’s easy to see why commercial auto insurance is the better deal.

How does commercial auto insurance protect your business?

Commercial auto insurance can help pay for legal defense costs, property repairs, medical bills, and other expenses that arise from an accident.

This policy can be tailored to fit your healthcare business's budget. For example, you can buy comprehensive coverage to protect against additional types of damage, such as hail or falling tree branches.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Vehicles that are owned by a healthcare business must be covered by commercial auto insurance.

You should consider this coverage if you:

  • Operate a healthcare company vehicle
  • Transport employees or equipment
  • Send employees on errands during work hours

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 provide for healthcare professionals?

You can customize your commercial auto insurance policy to match the needs of your healthcare business. This policy typically covers the following:

Legal expenses

If your healthcare business is taken to court over an auto accident, legal costs can pile up quickly. In addition to hiring a lawyer, you might also have to pay a settlement or judgment – all of which could be covered by commercial auto insurance.

Medical bills

If the driver or a passenger in your company-owned vehicle is injured in an accident, this policy can help cover medical costs.

Collision damage

Collision coverage helps pay for repairs to your car, van, or other work vehicle, regardless of who is at fault.

Uninsured motorists

This policy covers damage caused by drivers who don’t have insurance.

Physical damage

Your commercial auto insurance policy may also cover damage caused by vandalism or certain weather events, as well as vehicle theft.

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Personal vehicles may require additional coverage

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

Hired and non-owned auto insurance offers liability coverage for healthcare professionals who are involved in a crash while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.

How much does commercial auto insurance cost for healthcare businesses?

A healthcare worker calculating insurance costs.

The cost of commercial auto insurance depends on the type of vehicle and the driving records of your employees.

Insurance costs for healthcare professionals are based on a few factors, including:

  • Healthcare services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees

Other important insurance policies to consider

Commercial auto insurance covers risks related to driving, but it doesn't protect against other common lawsuits and losses. Other recommended insurance policies for healthcare professionals include:

General liability insurance: This policy can pay legal expenses related to patient property damage and injuries, such as a patient who trips in your office and breaks a wrist.

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

Workers' compensation insurance: Most states require workers' comp for healthcare businesses that have employees. It covers medical costs and disability benefits for workers who are injured on the job.

Professional liability / medical malpractice insurance: This policy helps pay for legal expenses when a healthcare professional is accused of negligence or an error that harms a patient.

Cyber liability insurance: This policy helps healthcare professionals survive data breaches and cyberattacks by paying for recovery expenses and other associated costs.

Get free quotes and buy online with Insureon

Are you ready to protect your healthcare business with commercial auto insurance? Complete Insureon’s easy online application to compare quotes from top U.S. carriers. Once you find a policy that fits your needs, you can begin coverage in less than 24 hours.

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Updated: October 20, 2023
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