Commercial Auto Insurance in Washington Customized Coverage for Every Business
Driving Your Business Forward
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Our policies include collision, comprehensive, and uninsured motorist coverages, plus optional add-ons like hired/non-owned auto and trailer interchange.
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We help businesses secure endorsements for specialized equipment, such as refrigeration units, service vehicle tools, or box truck cargo.
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Leveraging decades of regional expertise from Doty Insurance and Fryer Insurance, we guide you through risk management, claims handling, and ensuring continuous compliance.
Why Washington Business Owners Choose DFG Insurance
Commercial fleets face risks beyond standard auto needs—accidents, thefts, and weather damage can quickly escalate costs. Our commercial auto insurance in Washington covers your vehicles for liability and physical damage, and we help structure deductibles and premiums to match your loss history and budget, ensuring you’re not overpaying.
Businesses that rent vehicles, use leased equipment, or subcontract work often encounter gaps in coverage. We offer hired/non-owned auto endorsements to extend protection to vehicles your company doesn’t own—eliminating blind spots and giving you confidence when drivers use third-party or rental vehicles.
Washington’s diverse climate and road conditions—from urban congestion to mountain passes—can affect your fleet’s safety and costs. We analyze your routes, vehicle types, and driver profiles to recommend safety programs, telematics integrations, and premium credits for low-risk operations, helping you reduce total cost of risk.
Frequently Asked Questions
What does commercial auto insurance in Washington cover?
A standard policy protects against liability for bodily injury and property damage, collision repair costs, comprehensive perils like vandalism or hail, and uninsured/underinsured motorists. Optional endorsements can cover rented vehicles, hired/non-owned autos, and equipment onboard.
How do businesses with multiple vehicle types get insured?
We create a single master policy that lists each vehicle—vans, box trucks, work trucks—and applies appropriate coverage levels to each. This streamlines billing and ensures consistent protection across your entire fleet.
Can I add coverage for specialized equipment on my service vehicles?
Yes. We offer endorsements for tools, mounted equipment (e.g., refrigeration, compressors), and job-site cargo. This ensures that vital business assets are protected even when they’re in transit or installed on your vehicles.
How can I lower my commercial auto insurance premiums?
Implementing a driver safety program, installing telematics or GPS tracking, maintaining a clean claims history, and bundling with other business lines (like business insurance or commercial property insurance) can all yield significant discounts and lower overall risk.
What should I do after a commercial vehicle accident?
Ensure driver safety, document the scene with photos and witness statements, exchange information, and report the incident promptly to DFG Insurance. We’ll guide you through claims filing, repair coordination, and any legal referrals needed to get your vehicle back on the road.
