Commercial Auto Insurance

Commercial Auto

Lydon & Murphy Insurance offers commercial auto insurance to fit the needs of your business. Whether it is a small car or a tractor trailer we are able to build you a policy that will protect your business and your staff. Without the correct coverage you may be over paying and under insured.

Here is what Massachusetts Commercial Auto Insurance Covers:

Personal Injury

This coverage provides for medical expenses, lost wages, and replacement cost services in the event of accident regardless of fault.


This coverage pays for any direct and accidental damage to your commercial vehicle caused by a collision.


This is not a substitute for Collision. This pays for direct and accidental damage to or loss of your commercial vehicle in non-collision situations including vandalism, theft, fire, wind, hail, flood, hitting an animal and others.

Property Damage

This coverage pays for damages to someone else whose auto or other property is damaged in an accident your company is responsible for.

Medical Payments

This coverage pays for reasonable expenses for necessary medical and funeral services to you, your employees or passengers incurred as the result of an auto accident.

Bodily Injury Caused by an Uninsured Auto

Pays damages for bodily injury resulting from certain accidents caused by uninsured autos or in a hit-and-run situation.

Bodily Injury Caused by an Under insured Auto

This coverage provides you and your employees with protection for bodily injury damages or death as the result of an accident caused by someone who does not have enough insurance.

Non-Owned Auto

This coverage provides your business and you with liability protection for injuries or damages if your employee is involved in an accident and found responsible while using their own vehicle to perform company business.

Hired Auto Liability

This coverage provides you and your employee’s liability protection when the business temporarily rent, lease, hire or borrow vehicles for business use.

Hired Auto Physical Damage

This coverage provides you and your employees with physical damage protection when the business temporarily rent, lease, hire or borrow vehicles for business use.

Drive Other Car

This coverage provides protection for physical damage and liability for specific employees named on your commercial auto policy if they are driving a vehicle other than a company owned vehicle. This is important for owners or other key employees, who do not have their own personal auto policy and would, therefore, not have insurance protection if they borrowed another person’s car or rented a vehicle on their own.

Loading and Unloading

This coverage provides liability protection if damage is caused during the process of loading or unloading property from a covered vehicle excluding the cargo being moved.

Substitute Transportation

This coverage reimburses you, up to the limits shown on the Coverages Selections Page, in certain situations if your auto was in a collision and is being repaired or replaced.

Towing and Labor

This coverage pays for auto towing and labor due to a breakdown even if there isn’t an accident. Coverage is up to the limit shown on the declaration page.

If you are interested in Commercial Auto Insurance or have any questions please contact us and we will be happy to help!