Commercial Auto Insurance in Oklahoma City, OK
In Oklahoma City, many businesses rely heavily on their vehicles to keep operations running smoothly. Whether you’re a small business owner or manage a large fleet, commercial auto insurance is essential for providing financial protection for your vehicles. Understanding the nuances of this coverage and how it applies to different types of businesses can help you make informed decisions.
Tailoring Coverage to Your Business 
Many business types use vehicles in day-to-day operations. Different industries have unique requirements; understanding these can help you select appropriate coverage. For example, construction companies often rely on trucks and vans to transport tools, equipment, and materials to job sites.
Delivery services and courier companies depend on their vehicles to ensure timely deliveries. Whether it’s a single delivery van or a fleet of trucks, commercial auto insurance can help protect these businesses from the financial consequences of accidents or vehicle damage.
State and Federal Liability Requirements
Commercial auto insurance is designed to help provide financial protection for vehicles used in business operations. In Oklahoma, businesses must carry minimum amounts of commercial auto insurance. The state mandates minimum liability coverage for bodily injury per person, bodily injury per accident and property damage per accident.
However, federal regulations apply to businesses that operate heavy machinery or semi-trucks. The Federal Motor Carrier Safety Administration (FMCSA) requires higher liability limits for these vehicles due to their increased risk. These federal requirements are designed to provide more financial protection, given the potential severity of accidents involving large commercial vehicles.
Your agent can help determine how state and federal commercial auto insurance laws apply to your company.
Contact Us
Gomez Tax Inc for a personalized commercial auto insurance quote.