Business Auto Insurance
Guardian Insurance Agency
Trucks roll. Cars turn. Roads don’t forgive.
One crash can stop the day and drain the account.
Guard your wheels. Guard your work.
What we cover
- We pay for liability when your vehicle harms someone or their property.
- We fix your own vehicle with collision.
- We guard against theft, fire, glass, hail, and more with comprehensive.
- We add UM/UIM when the other driver carries little or none.
- We include medical payments for quick help after a hit.
- Simple. Strong. Straight.
Why business auto is different
Business puts more on the line.
You carry higher limits.
Leases and loans demand collision and comprehensive.
Contracts ask for Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation.
We line up your certificates. We keep the wording tight.
Your people. Their cars.
If an employee drives their own car for work, your name can be pulled into the claim.
Add Hired & Non‑Owned Auto Liability.
Rent a vehicle? Cover the liability and the physical damage to the rental itself.
No gaps. No surprises.
What sets the price
- Your trucks. Your routes. Your miles.
- Records of your drivers.
- Where you garage.
- Limits and deductibles.
- Claims behind you.
- Safeguards ahead—training, checks, dashcams, telematics.
Good add‑ons
Hired & Non‑Owned Auto Liability (HNOA)
Additional Insured / Primary & Non‑Contributory / Waiver of Subrogation
Drive Other Car for owners without a personal policy
Rental reimbursement & towing
Loan/Lease Gap for financed vehicles
Fleet safety credits where available
Small lines. Big peace.
The Guardian way
- We read your routes.
- We right‑size your limits.
- We move COIs fast.
- We stand watch while you drive.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
123-456-7890
abc123@xyz
Visit
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