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Commercial Auto Insurance in Deerfield, IL

Businesses that depend on vehicles for their daily operations need customized commercial auto insurance. At Joan Polec Insurance, we specialize in crafting policies that balance robust coverage with competitive premiums. Whether you operate a single delivery van or manage a fleet of specialty trucks, our team is ready to help you secure appropriate coverage.

What Is Commercial Auto Insurance?white and black truck on road during daytime, commercial auto

Unlike personal auto policies, commercial auto insurance is designed to cover vehicles used for business purposes. Coverage may include the following:

  • Liability protection can pay for bodily injury or property damage you or your employees cause to others while driving, up to the policy’s limits.
  • Physical damage coverage can include collision coverage to help pay for repairs after accidents and comprehensive coverage for non-collision incidents such as theft, vandalism or weather-related damage.
  • Uninsured/underinsured motorist coverage can help cover your expenses if you’re involved in an accident with an at-fault driver with insufficient or no insurance.

Factors That Influence Your Premiums

Several key elements determine the cost of your commercial auto policy:

  • Vehicle type—Larger vans, heavy trucks or vehicles with specialized equipment often have higher rates, reflecting their repair costs and risk profiles.
  • Mileage and usage—Vehicles that cover more miles, especially in congested or high-risk areas, typically have higher premiums due to the greater risk of filing a claim.
  • Driver history—A clean driving record among your staff can translate into lower rates, while tickets or accidents may increase costs.
  • Coverage limits and deductibles—Opting for higher liability limits or lower deductibles raises your premium but offers more financial protection.

Get Your Customized Quote

At Joan Polec Insurance in Deerfield, Illinois, our agents take the time to understand your fleet size, driving patterns and budget to deliver a tailored commercial auto quote. Contact us today for a free consultation.

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