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    Commercial Auto Insurance policies are a specialized auto insurance policy specifically designed for businesses. All autos’ that have a gross vehicle weight over 10,000 pounds must be listed on a Commercial Auto policy.
    • Charter bus companies and taxi drivers
    • Delivery and courier services
    • Landscapers and snowplows
    • Liability coverage
    • Physical Damage coverage

    What is Commercial Auto Insurance?

    Commercial Auto Insurance policies are a specialized auto insurance policy specifically designed for businesses.  All auto’s that have a gross vehicle weight over 10,000 pounds must be listed on a Commercial Auto policy.  Similar to the Personal Auto policy, the compulsory coverage of the Commercial Auto policy provides Property Damage and Bodily Injury protections to others.  However, additional coverage can be purchased for the three main classes of commercial autos; scheduled, hired and non-owned autos.

    Aside from three classes of autos covered on a Commercial Auto policy, there are several forms of Commercial Auto Insurance; Business Auto Form, Garage Form and Truckers Form.  Ask our agents for more information about these coverage forms and how to add them to your Commercial Package Plan!

    What is a Scheduled Auto, Hired Auto or Non-Owned Auto?

    As previously mentioned, there are three main classes of autos covered under a Commercial Auto policy:

    • A Scheduled Auto is an auto, trailer or semitrailer designed for use or travel on public road, owned by the business listed on the policy.
    • A Hired Auto is a non-owned vehicle that is hired, borrowed or rented by the business and used for business purposes. For example, a landscaping company may needed to hire a large excavator for a short period of time in order to complete job.
    • A Non-Owned Auto is an auto not owned or hired by the business, but the vehicle is used for business purposes. An example would be a restaurant that delivers food using an employee’s automobile for the delivery.

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    TESTIMONIALS

    Customers Love Us

    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Commercial Auto Insurance Massachusetts

    These three above classes are defined by nine symbols.  Understanding the difference between these symbols will determine which coverage is most suitable for your business.  The more common symbols used are:

    • Symbol 7, provides liability and property damage coverage for specifically described autos listed on the policy declarations page
    • Symbol 8, provides liability coverage for hired autos only including leased, hired, rented or borrowed autos
    • Symbol 9, provides liability coverage only for non-owned autos used for the business such as employee, partner or family members vehicles

    The subtle difference between each symbol can be confusing.  Our friendly and knowledgeable Business Line Professionals can provide clarity about these symbols and which symbols best apply to your business operations.

    Speak With a Business Professional!

    What Coverages Does Business Auto Insurance Include?

    Commercial Auto policy provides basic liability protections to others.  However, you can broaden the coverage by purchasing additional coverage parts, and endorsements.

    • Liability coverage, which is compulsory to the Commercial Auto policy, provides liability protection to Property Damage and Bodily Injury to others resulting from the operation, maintenance or use of an auto used for business purposes.
    • Physical Damage coverage, provides physical damage protection to the covered auto. This includes Collison and Comprehensive coverage, similar to the personal auto policy.   

    Ask our agents about even more optional coverages and endorsements, such as Substitute Transportation or Mobile Equipment, that can be added to your Commercial Auto policy.

    What Massachusetts Businesses Need Business Auto Insurance?

    In order to register a vehicle in Massachusetts, the State requires all vehicles intended to be driven on public roads meet the State’s minimum insurance requirements. Thus, all businesses that own a motor vehicle need to carry Business Auto Insurance.

    Some examples of businesses that might need coverage include:

    • Charter bus companies and taxi drivers
    • Delivery and courier services
    • Landscapers and snowplows
    • Appliance repair outfits and contractors
    • Universities and colleges
    • Tow truck services 

    Commercial Auto Insurance Massachusetts

    How Are Commercial Auto Policies’ Premiums Calculated?

    Similar to the personal auto policy, there are several factors that impact a policy’s premium.  A few of the items they may consider are:

    • How many vehicles a business owns?
    • What types of vehicles a business owns?
    • Where the business is located?
    • What are the vehicles intended use(s)?
    • What coverage and limits are selected by the policyholder?

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    How Can Businesses in Massachusetts Get Commercial Auto Insurance?

    Selecting a Commercial Auto policy requires carefully selecting the appropriate coverage parts, determining which symbols apply to your business needs and carefully reviewing the policy terms and conditions.  Altogether, a time-consuming and tedious task.  As an Independent Insurance Agency experienced in writing Commercial Auto Lines policy, our agents can quote your policy comparing multiple insurers and provide guidance on appropriate coverage levels for your business!

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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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