For over 80 years, Forge Insurance has specialized in providing commercial transportation insurance for autos and trucks.
Forge customizes the work auto insurance and work truck insurance policies to meet your business requirements. If your business uses autos or trucks to haul equipment, tools and to transport employees, we have the commercial auto insurance products you need to protect your investment. We will design a comprehensive work auto insurance or pickup truck insurance plan for you.
Forge's 80-plus years of experience has enabled us to keep pace – and stay ahead – of the changing commercial transportation industry. We offer coverage solutions that protect work autos, vans and trucks; courtesy shuttles and school shuttles; as well as hearses, taxis, sedans & limousines, last-mile delivery and couriers. Because of this experience, we are able to serve emerging niches like ridesharing and food trucks as they have exploded onto the scene.
Commercial Auto insurance is what we do. Delivering on the promise to be there for you when needed is our mission. We specialize in knowing our customers' businesses and providing a high level of protection and service at an exceptional value. We match and customize the right insurance coverages to their risks and needs at competitive rates. We provide specialized underwriting and claims services to craft the best protection and to speed their recovery when faced with accidents or disasters.
With more than 80 years of transportation insurance, Forge understands the risks faced by transportation companies. We provide tailored coverages for a wide range of passenger vehicles, including owners and operators of hearses, taxis, luxury sedans and stretch limousines, along with SUVs, vans and work trucks. Our commercial auto insurance program includes the following critical coverages:
Bodily Injury Liability
If you're in an accident while driving your work auto or truck, and there are third-party injuries for which you are found to be responsible, the policy will pay for the related expenses and bills, including medical care, hospital payments, and rehabilitation. It will also pay for defense costs and settlements or judgments that may result from a claim, up to the policy limits.
Property Damage Liability
If you're in an accident while driving and someone else's vehicle or property is damage, the policy will pay for repairs or replacement of the damaged vehicle or property.
This coverage protects the driver and the passengers in your work auto or truck. In the event that your vehicle is involved in an accident and the operator or the passengers get injured, the policy will pay for the medical expenses arising from the accident.
Offers protection for your courtesy shuttle if it collides with another vehicle or a physical object, and pays for the costs of the work auto or truck repairs or replacement.
Protects your work auto or truck from accidents other than a collision. In the event of theft, vandalism, fire, or hailstorm damages to your courtesy shuttle, the policy will pay for vehicle repairs or replacement.
Uninsured or Underinsured Motorists
Protects you against drivers of other vehicles who do not carry liability coverage or who do not have enough insurance to cover the full extent of the damage if they are responsible for the accident.
Commercial auto insurance premiums vary by industry segment and depend upon how your work vehicles are used. For example, the situation of a plumber or landscaper towing a trailer is vastly different than a professional services business that may use the company vehicle to run errands. That said, there are many factors that contribute to insurance permiums. They include:
Your geography plays a role in how much insurance coverage costs. You may pay more in a larger city than in a smaller town.
Vehicle Types, Values and Sizes
As a rule of thumb, larger and more valuable vehicles have higher insurance premiums than smaller and less valuable vehicles.
Your driving experience matters to insurance companies. You can expect insurers to collect motor vehicle reports for drivers on your policy for the last three years. The drivers on your policy with multiple accidents and violations will cause your premiums to increase.
The coverage and limits you choose will have an impact on the overall premium. For example, higher liability limits or coverage equates to a higher premium as opposed to state minimum limits. Forge Insurance has a wide range of coverage options to help you tailor a commercial auto policy to fit your needs at an affordable price.
If you are in search of the cheapest commercial auto insurance, there are ways to lower your premium. First, keep a clean driving record. Driving history is one of the largest impacts on premium. Second, change your coverage limits and deductibles. For example, you can decrease your combined single limit from $300,000 to $100,000 or increase your deductible to share more of the risk. However, you may pay more out-of-pocket in case of an accident. Finally, Forge Insurance offers both paid-in-full and commercial drivers license (CDL) discounts. These discounts will help you save money on commercial auto insurance. The best advice is to tailor a commercial auto policy that offers the best coverage at a price you can afford. Let Forge Insurance help you customize a policy that fits into your unique cost and value situation.
Insurance companies generally have a set of shuttle insurance requirements and rating factors you'll need to consider. These might include:
The state, or states, where you operate might have additional or different requirements. Be sure to check with your local DMV for exact requirements or restrictions.