Commercial Auto Insurance
A personal auto policy excludes vehicles used for business. Commercial auto insurance covers the van, the pickup, or the service truck your company drives to job sites. Viva Insurance Services writes commercial auto insurance for small businesses in Schaumburg, IL and the northwest suburbs.
The agency focuses on light commercial vehicles. One van, three pickups, and a plow truck are the typical accounts here.
Vehicles This Policy Covers
Work vans lead the list. Electricians, plumbers, HVAC technicians, locksmiths, and appliance repair firms all drive one with tools inside.
Contractor pickups come next, often with a ladder rack or a trailer hitch. Landscaping crews, remodelers, painters, and dock and door companies fall in this group.
Service vehicles cover the rest of the field work. Mobile detailing, courier cars, inspection vehicles, and sales cars driven between client sites all belong here.
Snow removal trucks are a seasonal category in the northwest suburbs. A plow blade changes the rating. Tell the agent about it before winter.
What the Coverage Includes
Liability pays for injury and property damage your driver causes. Illinois sets minimum limits, and most contracts require far more than the minimum.
Collision pays to repair your own vehicle after an accident. Coverage for theft, hail, fire, falling objects, and vandalism handles the damage that happens when nobody is driving.
Medical payments cover treatment for your driver and passengers. Uninsured and underinsured motorist coverage responds when the driver at fault has no policy or a small one.
Hired and non owned coverage is the endorsement small businesses forget. It applies when an employee drives their own car on a company errand, or when you rent a truck for a week.
Who Needs a Commercial Policy
Any vehicle titled to the business needs one. So does a personally titled vehicle used mostly for work.
Carriers apply a use test instead of an ownership test. A contractor hauling tools and materials to a job every day is doing commercial work. The name on the title does not change that.
An accident in a loaded work van, insured on a personal policy, can leave the owner paying the whole claim.
What This Agency Does Not Write
Viva places light commercial vehicles through its business carriers. The agency has no motor carrier appointments, so long haul trucking, tractor trailers, and vehicles that need federal filings go elsewhere.
Owners who need that coverage should work with a transportation specialist. The office will say so on the first call.
What Changes the Premium
Radius of use changes the price. A plumber working within twenty miles of the shop rates differently from a courier crossing three counties. Tell the agent where the vehicles go in a normal week.
Driver records get pulled on every named driver. One employee with a suspended license can move the whole policy to a higher rated market, so review the list before you submit it.
Vehicle weight and body type do the rest. A cargo van rates above a sedan, and a dump body rates above a cargo van.
Commercial Auto Insurance in Schaumburg, IL
Viva is an independent agency at 1901 North Roselle Road, Suite 800, just north of the Interstate 90 interchange. Hours are Monday through Friday from 10 AM to 7 PM, and Saturday from 10 AM to 3 PM.
Have the vehicle identification number, the driver’s license number for everyone who drives, the radius you travel, and any contract that names required limits.
Most owners quoting a work vehicle also need general liability insurance. Many qualify for a business owners policy that covers the shop as well. The rest of the commercial lineup appears on the business insurance page.
Call (847) 238-3861 or get a free quote to price commercial auto insurance for your vehicles.
Frequently Asked Questions
Can I insure my work van on a personal auto policy?
No. Personal policies exclude vehicles used for business, and a claim can be denied on that basis.
Does commercial auto cover an employee driving their own car for work?
Only with hired and non owned coverage added to the policy. Ask for it if staff make deliveries or client trips in personal vehicles.
How much liability coverage do I need?
Illinois sets a legal minimum, and client contracts usually require higher limits. A one million limit is a common contract requirement.
Do you insure semi trucks or long haul trucking?
No. Viva writes light commercial vehicles and has no motor carrier appointments. Trucking accounts need a transportation specialist.