Commercial Vehicle Insurance Coverage Options

As a business owner, you need to prepare for every situation. Insuring your vehicle or fleet with commercial vehicle insurance coverage is a smart way to protect your company in case of accident. Coverage options for commercial vehicles are flexible, and can be customized to fit your business’s needs.

Choose from a number of commercial vehicle insurance coverage options

Every business is unique, which is why we have several options for company car insurance coverages that meet your company’s needs.

Bodily Injury Liability Coverage

This benefit covers you for accidental bodily injury which you or someone driving your car may cause to someone else. It will compensate that injured someone else for their injuries up to the limit of coverage which you have chosen. It also covers the cost of your legal defense.

Property Damage

This covers you for accidental property damage you or someone driving your car causes to someone else. This coverage will pay for the repairs to that person’s car up to the limit of coverage which you have chosen. The cost of your legal defense is also covered.

Comprehensive

Also called "other than collision" (OTC) coverage, this option will help protect your vehicle against damage that doesn’t result from a collision – such as theft, fire, broken glass, etc. There is a deductible with this coverage.

Collision

Once your deductible has been met, collision coverage will help cover the damage to your vehicle regardless of fault in an accident.

Uninsured motorist

This provides you with coverage for bodily injury you sustain in an auto accident due to the negligence of a driver who does not have any auto insurance. It pays up to the limit of coverage you have chosen for your car. This coverage is mandatory in most states. In some states, there may also be uninsured motorist coverage for property damage to your vehicle.

Medical payments

A medical payment option will help pay medical expenses of the driver and/or passengers that result from an accident, up to a predetermined amount, regardless of which party is at fault.

Hired auto liability

Provides excess liability coverage for a non-owned, unlisted vehicle you have leased, hired, rented or borrowed for incidental usage in your business.

Employer's non-ownership liability

Provides excess liability coverage for you and your business in the event of an employee using their own (unlisted) vehicle incidentally in the course of your business.

On-hook towing liability

A towing-specific coverage that provides physical damage coverage for a towed auto for which you are legally liable for damaging provided the property damage is caused by either fire, explosion or collision.

Rental reimbursement

When your vehicle is disabled due to a covered loss, this coverage helps pay for costs you may incur for having to rent a car during the time your auto is being repaired. This is an optional benefit which is only available in certain situations.

Fire & theft with combined additional coverage (FTCAC)

Similar to “Comprehensive” coverage, this coverage applies to damages to your vehicle specifically resulting from one or more of the following named perils: fire, explosion, theft, windstorms, hail or earthquakes, flood, mischief or vandalism, loss caused by hitting a bird or animal, or the sinking, burning, collision or derailment of any conveyance while transporting your vehicle. Slightly less expensive than Comprehensive, FTCAC does not provide coverage for damages resulting in glass breakage or any other peril not specifically named above.

Additional/Custom equipment

An optional coverage which covers loss to custom equipment or features which were not installed by the original manufacturer. Special/custom paint finishes, pick-up covers, caps/shells, special tires/wheels, furniture, special carpeting, paneling and stereo systems are examples of equipment protected by this coverage. This equipment must be itemized and inspected by the agent.

Business auto liability coverage quotes

Protect your company cars from the unexpected. Senate Select Insurance offers flexible payment plans and coverage. To learn more about our commercial vehicle program and how we can help protect your business:

• Call 1-800-622-9333
• Find a Senate Select Insurance Insurance Agent or Broker near you

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Senate Select Insurance-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Maryland Car Insurance

Senate Select Insurance knows it's important to protect your vehicle, while keeping insurance payments affordable. So, when you're looking for Maryland auto insurance for your car, consider Senate Select Insurance's coverage and discount options. Whether you need minimum auto insurance coverage in Maryland or full coverage for your new car, we can keep you protected without breaking your budget.

Maryland car insurance coverage options

Maryland drivers value customizable insurance with the coverage options they need. Check out our insurance coverage options -- and contact a Senate Select Insurance Agent for a free quote today:

• Liability
• Comprehensive
• Collision
• Non-owner
• Personal injury protection
• Towing

Maryland car insurance discounts

Senate Select Insurance auto insurance may be cheaper than you think, if you qualify for any of our carriers discounts. Browse these auto insurance discounts to see how you may reduce your monthly premium:

• Accident free discount
• Violation free discount
• Multi vehicle discount
• Advance quote discount
• Paid-in-full discount
• Liability only
• New or Newer Car discount

Get Maryland auto insurance quotes today 

Learn more about Maryland auto insurance coverage:

Get an online auto insurance quote
Call 1-800-622-9333
Find a Senate Select Insurance Agent or Broker near you

Five Good Reasons to Choose Senate Select Insurance

We believe that drivers are more than their driving records. And we know that you have choices when it comes to choosing an auto insurance company. Here are five good reasons to choose Senate Select Insurance:

1. Great coverage and rates from an affordable Auto Insurance Agency

We know you have more to spend your money on than car insurance. That's why Senate Select Insurance offers great insurance for as little as $2 a day. As one of the cheapest auto insurance companies, Senate Select Insurance helps you save your hard-earned money for the things that are most important to you.

2. Customer service you can count on

Need help understanding what you're paying for? Have a question about a claim? Just call us. Whether it's helping to make insurance simple or assisting you with getting a claim processed quickly, you can count on Senate Select Insurance customer service.

3. Convenient locations

Need to talk to an Agent in person? Just stop by to see one of our many local agents. Your local Senate Select Insurance Agent will be happy to tell you about the benefits of choosing Senate Select Insurance.

• Laurel, Maryland
• Essex, Maryland near the MVA
• Glen Burnie, Maryland near the MVA
• Oxon Hill, Maryland
• White Marsh, Maryland
• Capitol Heights, Maryland
• Washington, DC
• Alexandria, Virginia
• Pimlico, Maryland near the MVA
• Greenbelt, Maryland in Beltway Plaza Mall
• Woodlawn, Maryland

4. Senate Select Insurance is part of the EZ Insurance Group family of companies

Senate Select Insurance, a leading discount car insurance agency, is affiliated with EZ Insurance Group, LLC.
Senate Select Insurance has been helping customers protect what's most important to them and providing outstanding customer service for more than 35 years.

5. Senate Select Insurance offers instant auto insurance with a low down payment and easy monthly payments

Call on of our licensed Senate Select Insurance Agents today and they can help you fit your auto insurance premium into your budget.

Become a Senate Select Insurance customer today

• Get an online auto insurance quote
• Call 1-800-622-9333
• Find a Senate Select Insurance agent or broker near you