Expenses add up after an accident, but auto liability insurance can help prepare for uncertainty, and insulate your business against significant losses.

A Commercial Auto Insurance policy can cover vehicle damage and injury expenses for parties involved in an accident. In exchange for a policy premium, the insurance carrier will cover eligible legal, medical, or repair costs up to a predetermined dollar amount.

Resolving a liability claim is expensive and requires timely payments, which can be challenging for smaller enterprises with tight budgets. Without commercial auto insurance, your company may be responsible for making a substantial payment with little time to prepare financially. Liability insurance exists to prevent sudden liability expenses from stifling your growth.

XINSURANCE is a leader in the industry of commercial auto coverage. We provide options and solutions to customize a plan to your needs after reviewing your current policy.

Our all-in-one approach to insurance solutions means that you can get more of the coverage you need in a singular, comprehensive policy. Contact us for a quote if you could benefit from coverage for:

• Collisions: When your vehicle hits an object or vice versa
• Property damage: When your vehicle damages someone’s property
• Medical payments: When a passenger requires medical treatment after an accident
• Uninsured motorists: When you suffer injury or vehicle damage as the result of an uninsured, underinsured, or hit-and-run motorist.
• Physical damage: When your vehicle suffers damage from fire, flood, theft, and other applicable scenarios

Medical and vehicle repair expenses add up in the wake of an automobile accident. A liability policy will kick in when the covered costs eclipse your deductible amount, providing the money required to ensure drivers and vehicles receive the attention they need without a significant hit to your bottom line.

Additionally, auto insurance is a legal requirement in almost every state. Driving without insurance can result in hundreds of dollars in violation fees — penalties that increase dramatically if your uninsured driver or vehicle is involved in an accident. Commercial auto liability coverage will give you the peace of mind that your vehicles on the road comply with insurance requirements.

If you are involved in an accident with an insured, we want to do the right thing for all parties and put you back to where you need to be!

Commercial truckers are generally considered to be above-average drivers. However, federal data indicates that errors, mistakes, and negligence on behalf of the driver contribute to more than half of all truck crashes.

The top 5 causes of crashes are brake problems, driving too fast, unfamiliarity with the roadway, environmental conditions, and over-the-counter drug use.

An employer is liable for the wrongful acts committed by its employees or agents, provided that the acts were unintentional and were committed within the scope of employment.

An employer is generally not liable for any intentional injury caused by an employee such as assault, battery, kidnapping, etc. Employers are also generally not liable for wrongful acts committed by independent contractors, though laws vary by state.

Yes, we can provide transportation insurance solutions, providing the primary or ancillary coverage needed for the logistics and movement of goods or people. Go to our Transportation Insurance page to learn more.