(740) 387-8335

Commercial Auto Insurance + Fleet

 

 

We’re the Commercial Auto Insurance specialists in Powell

As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries, and other incidents that can put those investments at risk.

What commercial auto coverage do you need, and how much?

What are the risks to you, your drivers, and your business that commercial auto insurance can cover?

Driver Distraction and Commercial Automobile Operation
The Department of Transportation investigated the impact of distraction in commercial motor vehicle (CMV) crashes and safety-critical events in 2009. They found the following:

  • Drivers were involved in non-driving tasks in 71% of CMV crashes
  • Distracted driving caused 46% of near-crashes and 50% of safety-critical events

Types of Vehicles Commercial Auto Insurance Covers

Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

  • Company cars
  • Cargo Vans
  • Limos
  • Taxis
  • Buses
  • SUVs
  • Pickup trucks

Commercial auto policies cover personal cars that are used for business, as well as SUVs, light-duty trucks, buses, limousines, taxicabs, vans, and other delivery vehicles used solely for business purposes.

The use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety when they assess the amount of coverage your business needs.

If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision, and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well-being.

Commercial auto insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Bodily injury liability: This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

Property damage liability: This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an independent agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

Collision: As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

Comprehensive: Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft, and vandalism.

Uninsured and underinsured motorists: If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

Medical payments: This coverage pays for medical and/or funeral expenses for you, your drivers, and passengers after an accident.

Additional optional coverage: A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.

You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks, or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

Does Commercial Auto Insurance Cover Personal Use?

Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

An independent agent like eGoodwin Insurance Agency can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.

We’ll ask a variety of questions designed to not only get you an accurate quote but also find discounts that may be available to you.

You may be asked questions such as:

  • How many commercial automobiles do you have?
  • How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
  • How many miles does each vehicle typically travel in a year?
  • How many drivers do you have?
  • What are their ages and level of experience?
  • Have your drivers taken a safe driving course?

If you’re in the market for commercial auto insurance in Powell, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.

Great service. Great communication. Great people. Thanks Mark and Nikki!
Joe Goney
Joe Goney
I have had nothing but great experiences with Nikki and Mark. They are very helpful and knowledgable. They have always been available when I needed them.
billie2960
billie2960
Our experience was seamless working with eGoodwin Insurance!Very informative and helpful.
Niki Mazur
Niki Mazur
Thank you, Mark! 🙏 Your services make me feel spoiled rotten. You guys always take care of me! You are very thorough and do an amazing job. Even though we are miles away, I feel like we have meet a number of times. Thank you for the videos. They are helpful. I look forward to continuing our relationship as my business grows. You have been with me from the beginning, and I can't imagine working with anyone else.
Libya Binford
Libya Binford
Fine.
Lynn Allen
Lynn Allen
They are the nicest people. I’ve been working with them for years. I couldn’t imagine working with someone else. I would recommend them to anyone.
Donna K Morgan
Donna K Morgan
I have been a customer both personally and professionally for many years. I have had always prompt, personal service from Mark and Nikki. They are a great team and always ready to answer any questions I may have. Thanks for being there for me.
Vickie McClellan
Vickie McClellan
Love love love you guys!
bailey mohr
bailey mohr
I love eGoodwin. They are always so sweet and take care of me better than family. Quick and friendly service. Thank you eGoodwin!
Jenni Rico
Jenni Rico
The best insurance agency we’ve ever dealt with! They are always helpful and do their best to find us the most affordable rates. Thank you!!
Jennese Acker
Jennese Acker
Always prompt, always polite. Goes the extra mile!
Roni Saxby
Roni Saxby
I would prefer to not ever have any other insurance adjuster love Nikki!
bailey mohr
bailey mohr
Mark and his team have the best customer service! They are quick to respond and are looking out for your best interest!
Chris Gonzalez
Chris Gonzalez
Mark was lightening fast and responsive to what we needed. He checked multiple sources and found us the best policy from a value and coverage perspective.
Steve Moore
Steve Moore
I always receive a quick response and they search for the best prices
Paula Riggs
Paula Riggs
Love eGoodwin insurance agency. Nikki always goes above and beyond, whenever we call with a problem, or questions.
John Mcgee
John Mcgee
Mark, Nikki and the team at eGoodwin have always taken good care of us. They even contacted us when the insurance landscape changed, and now a different insurance company would be a better deal.We’ve been customers for somewhere around 20 years.
Don Milnor
Don Milnor
I recommend eGoodwin Insurance every day
Powell Chamber
Powell Chamber
Mark is always a pleasure to work with. He wasn't able to help with our very specialized insurance requirements but he was willing to look over our existing policies to make sure they were sufficient. I look forward to working with Mark again in the future.
TJ
TJ
I highly recommend Mark Goodwin!! He is so polite and expect only the best service from him!
Peace Olivia
Peace Olivia
Mark was a pleasure to work with. He responded quickly with any questions I had and was very thorough in determining what type of coverage I needed for my business. He made the whole process very easy!
Katie Petsch
Katie Petsch
Rates were fair and the staff is very responsive and informative. They are professional and friendly as well.I am starting up a new business and they have helped me quite a bit with business insurance requirements and certifications.
Howard Zuefle
Howard Zuefle
Amazing service!!
Patrick Meagher
Patrick Meagher
Friendly, fast, and helpful. Good people to do business with.
joetrama
joetrama
Great service with great attention to details. Worked with getting me exactly what I needed and at a great cost.
Brian Harp
Brian Harp
We went to Mark for a review of our business policies. He is so knowledgeable and answered all our questions. We ended up doing a review of our personal policies as well and found that we were overpaying and had gaps in our policies. Mark was able to find us comprehensive packages to meet all our needs and saved us money! If you haven't done a review of your insurance policies lately I would highly recommend you reach out to Mark. His whole team is so responsive, friendly and they made switching seamless.
Terri Bittner
Terri Bittner
They have been my agent for several years now. Alway dependable when I call to answer the phone and help with and questions I might have.
Tyler Brown
Tyler Brown
I've known Mark for so many years and have worked with him on insuring many facets: home, auto, business, etc. You'll always get a straight answer from him. Thanks Mark and eGoodwin!
Andy Noonan
Andy Noonan
Great agency with a great person at the helm. Mark Goodwin recently looked into my business insurance policy and quickly identified many holes in my coverage. He got me a great rate while getting me the coverage that I need to be protected. I sleep better at night knowing his agency has my back. Highly recommend!
Alex Ribble
Alex Ribble
Very professional and always very responsive to my requests and questions.
Manuel Pedrozo
Manuel Pedrozo
E Goodwin Insurance are very helpful with great rates. They have access to different insurance companies to get you the best deal instead of pushing just there companies products!
Ashmont Realty
Ashmont Realty
Mark Goodwin and his staff have in-depth knowledge of the insurance industry and provide trustworthy services. They always work in the best interest of their clients. You can rely on eGoodwin Insurance for ALL your insurance needs.
Adele Busch
Adele Busch
I know Mark from a business building network. I am very happy to recommend him as an extremely knowledgeable agent who gives great attention to detail.
Gloria Thomas
Gloria Thomas
Mark Goodwin goes over an above for us. How often does you insurance agent call you to check on the health and/or well being of your company "just because"? Highly recommend eGoodwin insurance.
Ken Cook
Ken Cook
Mark is very experienced and truly cares about his clients. I trust him and his team and would highly recommend eGoodwin Insurance to anyone I know!
Tingting Wu
Tingting Wu
I can't say enough wonderful things about Mark! We met thru the Powell Chamber of Commerce as Liberty Family Smiles just joined the Powell community. He was one of the first members to quickly make us feel welcomed and part of the group. This is a small business you'll want to get behind and support in the heart of downtown Powell #supportlocal
PeterRose VanGurp
PeterRose VanGurp
Amazing commitment and service!! Super kind and easy to work with! Very thankful for eGoodwin Insurance and all the time and effort they have invested for us!
Emlah Tubuo
Emlah Tubuo
Mark and his team provide great customer service and quick turnaround. Always a pleasure to deal with!
Trey Noonan
Trey Noonan
I am a mortgage banking professional and work very closely with Mark and his insurance agency. We share referrals...and I am more than happy to refer him to any and all of my clients as his and Nikki's customer service is second to none and their price quotes almost always come in with better coverage and lower premiums! 5 Star review for sure!
Marc Stock
Marc Stock
eGoodwin Insurance is terrific. Their customer service is outstanding. I recommend them to friends and family. I have known Mark a long time and not only is he a great insurance agent, he is a quality person as well. Highly recommended!
Dan Henson
Dan Henson
I have worked with Mark Goodwin and his company for years. Mark has always been polite, he is knowledgeable, and gets back to you promptly. Mark worked to get to know us, the particulars of our business and then worked with us to get the right coverage at the right price.
Ken Cook
Ken Cook
Got an easy no pressure quote and was amazed by the savings. The customer service that followed has been exceptional. Would highly recommend!
Andrew Dickerson
Andrew Dickerson
Excellent commitment to service. Highly recommend this agent and his agency.
Carol Sommer
Carol Sommer
Been with Goodwin insurance for many years and have always had good service
praveen giri
praveen giri
We have been working with Mark Goodwin from eGoodwin Insurance for decades. He and his staff have provided both our company and my family with reliable, affordable insurance coverage. He is conscientious and devoted to serving his Customers. I would highly recommend Mark Goodwin for both personal and business insurance.
Tim Peacock
Tim Peacock
Quick responses, very helpful, great customer service
Heather Williamson
Heather Williamson
Excellent staff. Mark Goodwin is a great guy and his staff, Nikki, is excellent as well. If Nikki misses a phone call she immediately calls you back when she's available and they are always willing to answer any questions. I have my auto, homeowners and business insurance with eGoodwin Insurance. Mark will do his best to get you a quote that works for your budget.
Kevin Bowyer
Kevin Bowyer
We've used eGoodwin for the business I work for the past couple of years and the willingness to answer questions and help with claims is always done quickly and professionally. The staff is very friendly as well and they found us the lowest rate out of any agency we inquired with.On a personal side, after a tree fell in my yard last year my home owner's insurance (that I did not get through eGoodwin) doubled. I called Mark, and he and Nikki were able to get me a new policy with better coverage and a lower premium than I had before the tree fell.I would (and have) highly recommend Mark and his staff for any insurance needs.
Doug MacClements
Doug MacClements
We have been with Egoodwin Insurance for over 10 years. Their customer service is impeccable and irreplaceable. During every life change, they have helped get us the best policies that fit our family. We have checked rates with other companies over the years, but have stayed with them because they simply get our family needs- we are not just a number. The staff tirelessly answer all of our questions about each policy change.
M Dowell
M Dowell
Been dealing with Mark and his crew for a long time now. Nikki is a very personable smile that is always willing to go above and beyond for the clients!.
Jesse Pennock
Jesse Pennock
Dear Mark,You and your staff work hard and we are proud of you!Love youMom and Dad
Paula Goodwin
Paula Goodwin
I am thoroughly pleased with eGoodwin Insurance Agency. I have only been a client for a short time and have had numerous calls from the office just checking in on me to make sure I'm well taken care of. Their customer service has been wonderful, the products they offer are top notch and I look forward to being a client in this agency for many years to come!!!
Darcy Hunley
Darcy Hunley

74 E. Olentangy Street | Powell, Ohio 43065

399 E. Church Street | Marion, Ohio 43302

(740) 387-8335