Washington Commercial Vehicle Insurance
Get a complete analysis of Washington commercial vehicle insurance costs, coverages & companies.
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Find the Best Commercial Vehicle Insurance Rates & Companies in Washington
From alternative energy companies to technology and shipping, the Evergreen State has a lot to offer business owners. Having commercial auto insurance to cover your company vehicles is a key factor in starting and maintaining a business. Even a small fender bender can be costly if your business is uninsured or underinsured.
Fortunately, a Washington independent insurance agent can help your business get set up with all the necessary commercial vehicle insurance. They'll ensure your policy includes all the types of coverage your business needs most. But first, here's a breakdown of Washington commercial auto insurance rates and more.
Best Commercial Vehicle Insurance Companies in Washington
Shopping for the best commercial vehicle insurance in Washington can be easy as long as you know where to start looking. That's why we've included just a few of our choices for the best commercial vehicle insurance companies in Washington for you. When it's time to get the coverage your business deserves, start here.
- Progressive: Progressive sells commercial auto insurance and many other types of business and personal insurance. The carrier has excellent financial strength and provides 24/7/365 customer service.
- Liberty Mutual: Liberty Mutual sells commercial auto insurance and many other types of business and personal insurance. The carrier is a Fortune 500 company that offers 24/7 claims reporting and has outstanding ratings from AM Best for financial strength and overall from the Better Business Bureau (BBB).
- EMC Insurance Companies: EMC Insurance sells commercial vehicle insurance and many other types of business insurance. The carrier has excellent ratings from AM Best and the BBB, affordable rates, and 24/7 customer service.
An independent insurance agent can assist you with completing Washington commercial vehicle regulations by helping you get covered with all the necessary commercial auto insurance.
What Commercial Vehicle Insurance in Washington Can Cover
Your Washington commercial auto insurance policy will likely include several types of coverage. You'll browse through the following options when assembling your business's policy:
- Liability insurance: This covers the costs of property damage or bodily injury your business causes a third party with a company vehicle.
- Uninsured/underinsured motorists insurance: This covers the costs of accidents with other drivers who don't carry enough car insurance to cover their responsibility for the damages.
- Medical payments insurance: This covers medical treatments if company drivers or their passengers get injured in an accident while operating company vehicles for business purposes.
- Comprehensive insurance: This covers the costs of damage to your business vehicles due to a non-collision event such as a flood or theft.
- Collision insurance: This covers the costs of damage to your business vehicles from a collision with another driver, regardless of fault.
- Personal injury protection: Covers costs such as medical payments, lost wage replacement, and certain other expense coverage.
Keep in mind that Washington's commercial vehicle registration requirements make it necessary for every business with company-owned vehicles to have a business auto policy. A Washington independent insurance agent can get your business matched to the coverage it needs to satisfy state requirements.
How Much Commercial Vehicle Insurance Is Required in Washington?
Washington state law mandates a certain amount of business auto coverage. To comply with state regulations, your business must carry at least the following:
- Bodily injury liability insurance: Coverage of at least $25,000 per person and $50,000 per accident of bodily injury liability insurance is required for businesses with company vehicles in Washington.
- Property damage liability insurance: Coverage of at least $10,000 per incident of property damage liability coverage is required for businesses with company vehicles in Washington.
Washington's commercial vehicle enforcement can lead to fines and other state-enforced penalties for businesses that fail to properly insure company vehicles.
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What Commercial Vehicle Insurance in Washington Will Not Cover
It's helpful to understand what your commercial auto insurance excludes to avoid filing unnecessary claims. It can help you become aware of any other types of business insurance coverage your company might need to add to its policy, as well. Your commercial auto policy is unlikely to cover any of the following in Washington:
- Any accidents or incidents caused by company drivers while they were intoxicated
- Company equipment, inventory, and other property theft, damage, or destruction that falls under your commercial property insurance policy
- Employee injuries or illnesses caused by the job environment or tasks which fall under your workers compensation policy
- Any intentional damage or bodily harm to third parties caused by company drivers
- Any destruction or damage to company vehicles resulting from environmental pollutants
An independent insurance agent in Washington can help you review your specific business auto policy's coverage exclusions.
Average Cost of Commercial Vehicle Insurance in Washington
In Washington, the average cost of commercial vehicle insurance is just below $150 per month. However, the cost of your company's specific policy can vary based on many factors. These can include the driving history of all company drivers, the total number of vehicles your business has to insure, and the overall amount of coverage it needs. An independent insurance agent in Washington can help you find affordable coverage near you.
Popular Questions about Washington Commercial Vehicle Insurance
Your business likely needs commercial auto insurance if it has company vehicles. This coverage is required in Washington.
Washington state law requires commercial auto insurance for businesses with company vehicles. If your business has delivery vans, trucks, or other vehicles used to carry out work operations, this coverage is required.
In Washington, commercial auto insurance plans must at least include liability. However, each business can customize its specific policy as it chooses.
In Washington, state law mandates at least the following types and amounts of business auto insurance:
- Bodily injury liability insurance: Coverage of at least $25,000 per person and $50,000 per accident of bodily injury liability insurance is required.
- Property damage liability insurance: Coverage of at least $10,000 per incident of property damage liability coverage is required.
Commercial vehicle insurance costs are considered tax-deductible in Washington. The cost of commercial vehicle policies is a legitimate business expense.
Washington commercial auto insurance covers at least property damage liability and bodily injury liability to third parties. It's possible to include other types of protection, such as comprehensive insurance, in your business's policy, however.
In Washington, it costs just about $150 monthly to insure your business with commercial auto insurance. The total number of company vehicles your business has to insure, and the driving history of all company drivers can impact these rates, though.
Washington independent insurance agents can shop and compare policies from multiple commercial vehicle insurance carriers for you. Ultimately, they'll get your business set up with a policy offering the best overall blend of coverage and cost. Additionally, your agent can help your business file commercial auto insurance claims and update its coverage as necessary.
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